Financial Service Organizations on the Internet: Market Assessment 2002: Industry

Market Dynamics And Segmentation
Market Sectors
Retail Banking
Loan Providers
Building Societies
General Insurance
Mortgage Providers
Financial Advisers
Independent Investment (Brokers And Funds Supermarkets)
Pensions And Life Insurance
The Current Status Of The Market
Retail Banking
Loan Providers
General Insurance
Mortgage Providers
Financial Advisers
Independent Investment (Brokers And Funds Supermarkets)
Pensions And Life Insurance
Total Industry Value And Growth
Table 1: UK Users Of Financial Services On The Internet By Volume (Million Users), 1997-2002
Figure 1: UK Users Of Financial Services On The Internet By Volume (Million Users), 1997-2002
The Largest Sector
The Sector With The Highest Growth Rate
The Sector With The Lowest Growth Rate
The Smallest Sector
Distribution
Distribution Of Electronic Cash
Mediated Access
Competitive Structure
Retail Banking
General Insurance
Mortgage Providers
Financial Advisers
Independent Investment (Brokers And Funds Supermarkets)
Advertising
The Consumer
Unemployment And Earnings
Table 2: Proportion Of UK Workforce Claiming Unemployment And Average Earnings Growth Rate (%), 1997-2001
Prices, Interest Rates And Savings
Table 3: UK Consumer Expenditure Index And Retail Price Index (Index 1995=100 And %), 1997-2001
Table 4: Interest Rates, Savings Ratio, Equity Prices And House Prices (% And Index 1995=100), 1997-2001
Demographics
Table 5: UK Population Projections By Age, (000 And %), 1996, 2001 And 2006
Market Forecasts
Regulations — Electronic Commerce Directive
Marketing

3. Retail Banking

Background
Internet Banks
Alliance & Leicester
Cahoot
Egg
First-E
Intelligent Finance
Lloyds Tsb
Smile
Traditional Banks
Barclays
Lloyds TSB
Quality Of Online Banks
Table 6: Virtual Online Banking Survey League Table, Years Ending March 2002 And December 2001
Market Size
Table 7: Number Of Major British Banking Groups' Bank Accounts Accessible By Computer, 1997-2002
Figure 2: Number Of Major British Banking Groups' Bank Accounts Accessible By Computer, 1997-2002
Table 8: Number Of UK Online Bank Customers (Million), 2001
Figure 3: Number Of UK Online Bank Customers (Million), 2001
Table 9: UK Stand-Alone Internet Banks By Number Of Online Customerse (000), 2001
Figure 4: UK Stand-Alone Internet Banks By Number Of Online Customerse (000), 2001
Consumer Trends
Proportion Of Adults Intending To Start Conducting Day To Day Financial Transactions Via A Bank Internet Website
Advertising
Online Banking
Table 10: Main Media Advertising Expenditure By Companies Engaged In Online Banking (Ł000), Years Ending March 2001 And 2002
High Interest Current Accounts
Table 11: Main Media Advertising Expenditure On Online High Interest Current Accounts (Ł000), Years Ending March 2001 And 2002
Figure 5: Main Media Advertising Expenditure On Online High Interest Current Accounts (Ł000), Years Ending March 2001 And 2002
Online Savings Accounts
Table 12: Main Media Advertising Expenditure On Online Savings Accounts (Ł000), Years Ending March 2001 And 2002
Figure 6: Main Media Advertising Expenditure On Online Savings Accounts (Ł000), Years Ending March 2001 And 2002
Distribution
Table 13: UK Branch Networks Major British Banking Groups' Banks (Number Of Branches), 1998-2002
Figure 7: UK Branch Networks Major British Banking Groups' Banks (Number Of Branches), 1998-2002

5. Building Societies

Background
Market Size
Table 16: Users Of Building Societies On The Internet (Million Users And Index 1997=100), 1997-2002
Market Shares
Table 17: Five Largest Building Society Mortgage Lenders By Mortgage Balances Outstanding (ŁBn And %), Year Ending 31st December 2000
Figure 9: Five Largest Building Society Mortgage Lenders By Mortgage Balances Outstanding (ŁBn And %), Year Ending 31st December 2000
Consumer Trends
Proportion Of Adults Who Conduct Their Day To Day Financial Transactions Via A Building Society Internet Website
Proportion Of Adults Who Intend To Start Conducting Their Day To Day Financial Transactions Via A Building Society Internet Website
Advertising
Distribution
Table 18: Branch Networks Of UK Non-Converted Building Societies (Number Of Branches), 1998-2002

6. General Insurance

Background
Market Size
Table 19: Users Of General Insurance Companies On The Internet (Million Users And Index 1997=100), 1997-2002
Market Shares
Consumer Trends
Proportion Of Adults Who Have Used A General Insurer's Internet Website
Proportion Of Adults Who Intend To Start Using A General Insurer's Internet Website In The Future
Marketing Activity
Advertising

10. Pensions And Life Insurance

Background
Market Size
Table 25: Users Of Life Insurance And Pensions Products On The Internet (Million Users And Index 1997=100), 1997-2002
Consumer Trends
Proportion Of Adults Using A Life Insurer Or Pension Company Internet Website
Proportion Of Adults Intending To Use A Life Insurer Or Pensions Company Internet Website In The Future
Advertising

8. Financial Advisers

Background
Market Size
Table 21: Users Of Financial Advisers On The Internet (Million Users And Index 1997=100), 1997-2002
Consumer Trends
Proportion Of Adults Using A Financial Adviser's Internet Website
Proportion Of Adults Intending To Use A Financial Adviser's Internet Website In The Future
Advertising

7. Mortgage Providers

Background
Market Size
Table 20: Number Of Users Of Mortgage Providers' Websites (Million Users And Index 1997=100), 1997-2002
Consumer Trends
Proportion Of Adults Using An Internet Website To Look For A Mortgage
Proportion Of Adults Intending To Use An Internet Website To Look For A Mortgage In The Future
Proportion Of Adults Using A Website To Look For A Home
Proportion Of Adults Intending To Use A Website To Look For A Home In Future

4. Loan Providers

Background
Market Size
Table 14: Number Of Users Of The Internet To Look For A Personal Loan (Million Users And Index 1997=100), 1997-2002
Consumer Trends
Proportion Of Adults Using A Website To Look For A Personal Loan
Proportion Of Adults Intending To Start Using A Website To Look For A Personal Loan In The Future
Advertising
Table 15: Main Media Advertising Expenditure By Enterprises Engaged In Online Personal Loans (Ł000), Years Ending March 2001 And 2002
Figure 8: Main Media Advertising Expenditure By Enterprises Engaged In Online Personal Loans (Ł000), Years Ending March 2001 And 2002

9. Independent Investment

Market Size
Table 22: Online Execution-Only Trades By Volume (Million), Years Ending March 1999-2002
Consumer Trends
Proportion Of Adults Using An Online Stockbroker
Proportion Of Adults Intending To Start Using An Online Stockbroker In The Future
Advertising
Table 23: Main Media Advertising Expenditure By Companies Engaged In Online Investment Services (Ł000), Years Ending March 2001 And 2002
Figure 10: Main Media Advertising Expenditure By Companies Engaged In Online Investment Services (Ł000), Years Ending March 2001 And 2002
Table 24: Main Media Advertising By Companies Engaged In Online Stockbroker/Share Dealing (Ł000), Years Ending March 2001 And 2002
Distribution

11. An International Perspective

US Market Developments
Payments
Smart Cards
Internet Penetration
Table 26: Households† With Internet Access And Connection Rate By Country (%), January To March 2002
Figure 11: Households† With Internet Access And Connection Rate By Country (%), January To March 2002
Competitor Environment

12. Pest Analysis

Political Factors
Economic Factors
Social Factors
Technological Factors

13. Consumer Dynamics

Introduction
Overview
Table 27: Overall Response To Questions By Consumers (% Of Respondents), 2002
Conducting Financial Transactions Via A Bank Internet Website
"I Conduct My Day To Day Financial Transactions Via A Bank Internet Website"
"I Intend To Start Conducting My Day To Day Financial Transactions Via A Bank Internet Website"
Table 28: Conducting Day To Day Financial Transactions Via A Bank Internet Website (% Of Respondents), 2002
Conducting Financial Transactions Via A Building Society Internet Website
"I Conduct My Day To Day Financial Transactions Via A Building Society Internet Website"
"I Intend To Start Conducting My Day To Day Financial Transactions Via A Building Society Internet Website"
Table 29: Conducting Day To Day Financial Transactions Via A Building Society Internet Website (% Of Respondents), 2002
Using A General Insurer's Internet Website
"I Have Used A General Insurer's Internet Website"
"I Intend To Start Using A General Insurer's Internet Website"
Table 30: Using A General Insurer's Internet Website (% Of Respondents), 2002
Using A Life Insurer Or Pension Company Internet Website
"I Have Used A Life Insurer Or Pension Company Internet Website"
"I Intend To Start Using A Life Insurer Or Pensions Company Internet Website"
Table 31: Using A Life Insurer Or Pension Company Internet Website (% Of Respondents), 2002
Using A Financial Adviser's Internet Website
"I Have Used A Financial Adviser's Internet Website"
"I Intend To Start Using A Financial Adviser's Internet Website In The Future"
Table 32: Using A Financial Adviser's Internet Website (% Of Respondents), 2002
Using An Internet Website To Look For A Mortgage
"I Have Used An Internet Website To Look For A Mortgage"
"I Intend To Use An Internet Website To Look For A Mortgage In The Future"
Table 33: Using An Internet Website To Look For A Mortgage (% Of Respondents), 2002
Using A Website To Look For A Personal Loan
"I Have Used A Website To Look For A Personal Loan"
"I Intend To Start Using A Website To Look For A Personal Loan In The Future"
Table 34: Using A Website To Look For A Personal Loan (% Of Respondents), 2002
Using An Online Stockbroker
"I Have Used An Online Stockbroker"
"I Intend To Start Using An Online Stockbroker In The Future"
Table 35: Using An Online Stockbroker (% Of Respondents), 2002
Using A Website To Look For A Home
"I Have Used A Website To Look For A Home"
"I Intend To Start Using A Website To Look For A Home In Future"
Table 36: Using A Website To Look For A Home (% Of Respondents), 2002
None Of These, Don't Know
"None Of These"
"Don't Know"
Table 37: None Of These, Don't Know (% Of Respondents), 2002

14. Company Profiles

Barclays Plc
Corporate Strategy
Strengths And Weaknesses
New Product Development
Brand Development
Innovations
Advertising
Charcol Ltd
Corporate Strategy
Strengths And Weaknesses
Brand Developments
Innovations
Advertising
Charles Schwab Holdings UK
Corporate Strategy
Strengths And Weaknesses
New Product Development
Brand Development
Direct Line
Corporate Strategy
Strengths And Weaknesses
New Product Development
Brand Development
Innovations
Advertising
Egg Plc
Corporate Strategy
Strengths And Weaknesses
New Product Development
Brand Development
Innovations
Advertising
Profitability
E*Trade
Corporate Strategy
Strengths And Weaknesses
New Product Development
Brand Development
Innovations
Advertising
Profitability
Fidelity Fundsnetwork
Corporate Strategy
Strengths And Weaknesses
New Product Development
Innovations
Legal & General Group Plc
Corporate Strategy
New Product Development
Brand Development
Innovations
Nationwide
Corporate Strategy
Strengths And Weaknesses
New Product Development
Brand Development
Innovations
Profitability
Future Company Developments
Rightmove.Co.UK Ltd
Corporate Strategy
Strengths And Weaknesses
New Product Development
Brand Development
Innovations
Advertising

15. The Future

Introduction
Table 38: Selected Forecast Economic Criteria (% And Index 1995=100), 2002-2007
Market Size
Table 39: Forecast Number Of Users Of Financial Services On The Internet By Volume (Million Users And Index 2002=100), 2002-2007
New Developments
Consumer Issues
Barriers To Entry
Regulations
Demographic Changes
Table 40: UK Population Projections By Age (000 And %), 1996, 2001, 2006, 2011, 2016 And 2021
Retail Banking Use
Table 41: Forecast Use Of Internet Banks By Volume (Unit And Index 2002=100), 2002-2007
Loan Providers
Table 48: Forecast Number Of Users Of Personal Loans Sites On The Internet By Volume (Million Users And Index 2002=100), 2002-2007
Building Societies
Table 42: Forecast Number Of Users Of Building Societies On The Internet By Volume (Million Users And Index 2002=100), 2002-2007
General Insurance
Table 43: Forecast Number Of Users Of General Insurance Companies On The Internet By Volume (Million Users And Index 2002=100), 2002-2007
Mortgage Providers
Table 46: Forecast Number Of Users Of Mortgage Providers' Websites By Volume (Million Users And Index 2002=100), 2002-2007
Looking For A Home
Table 47: Forecast Number Of Users Of Home Search Sites On The Internet By Volume (Million Users And Index 2002=100), 2002-2007
Financial Advisers
Table 45: Forecast Number Of Users Of Financial Advisers On The Internet By Volume (Million Users And Index 2002=100), 2002-2007
Independent Investment (Brokers And Funds Supermarkets)
Table 49: Forecast Number Of Users Of Stockbroking Websites By Volume (Million Users And Index 2002=100), 2002-2007
Pensions And Life Insurance
Table 44: Forecast Number Of Users Of Life Insurance And Pension Products On The Internet By Volume (Million Users And Index 2002=100), 2002-2007
Market Dynamics
Political Factors
Economics Factors
Social Factors
Technological Factors

17. Glossary

A-Z Of Definitions
Above-The-Line Or Main Media Expenditure
Annual Growth Rate
Below-The-Line Advertising
CIF
Constant Prices
Current Prices
FOB
Forecasts
MSP
`Real'
RSP
About The Sources Used
ACNielsen MMS
Prodcom
NOP
Trade Association Data
Trade Sources

16. Further Sources

Associations
Publications
General Sources
Bonnier Information Sources
Government Publications
Other Sources
Fund Supermarkets
Banks
Building Societies
Stand-Alone Internet Financial Providers
General Insurance Companies
Life Assurance And Pensions Companies
Financial Advisers
Stockbrokers
Personal Loans
Property

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