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Posted on January 13th, 2013
American consumers are using debit cards more than ever before, triggering key changes in the payment card industry and affecting how banks and merchants do business. Controversy has arisen as the industry raised the fees it charges on merchants for debit transaction processing—fees that merchants may pass on to consumers, affecting the [...] Posted on December 18th, 2012
With lower interest rates, greater capital requirements, and more competition for customers, winning banks must treat every dollar as precious and focus on improving performance. Posted on December 16th, 2012
Although Swiss retail banks generate relatively high value added compared to their European neighbors, they too will come under pressure. Banks wishing to maintain their profitability will need to make numerous adjustments to their business model. This is the conclusion of the study “Retail Banking 2020” carried out by Ernst & Young and [...] Posted on December 9th, 2012
This edition of Bain & Company’s annual survey of consumer loyalty in retail banking covers 150,100 account holders in 14 markets: Australia, Canada, China, France, Germany, Hong Kong, India, Mexico, Singapore, South Korea, Spain, Thailand, the UK and the US. Bain followed up with 5,200 US customers to explore their banking habits and [...] Posted on December 5th, 2012
The UK retail banking market faces a period of change due to the impacts of unprecedented levels of new regulation, new digital technologies, increasing competition, and the uncertain economic climate. Yet Oliver Wyman sees considerable opportunities for the incumbent banks and newer entrants: profit potential is attractive and there is also a chance [...] 19 pages
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