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1、The calm before the stormWhat subtle changes in consumer mindset tell us about the future of bankingStrategy&Payments and Open Banking SurveyDecember 2022Strategy&Consumer survey across 15 countries third edition of Strategy&surveySample and methodology1)Excluding Ireland,Turkey,Denmark,Belgium and
2、Finland;2)Excluding Denmark,Belgium and FinlandSource:Strategy&Payments and Open Banking Survey 2022December 2022Payments and Open BankingSurvey 20222Payments and Open Banking SurveyStrategy&Sample 2022 Similar surveys conducted with same method in 2018:October/November 2018;2,500 participants,10 co
3、untries1)2020:August/September 2020;3,500 participants,12 countries2)Comparisons in this presentation are always made on a like-for-like basis(i.e.when making com-parisons with 2018 data,only the data from the same 10 countries is used in 2020 and 2022 etc.)2018&202015 countries5,750 participantsSep
4、tember/October 202210 questionsOnline surveyGo to 2018 survey Go to 2020 survey Strategy&231213123Three main factors are driving bank experience What is important to you regarding your banks offering?1)Payments and Open Banking SurveyNote:total figure based on counting of top 1-3 positions|1)Multipl
5、e answers possibleSource:Strategy&Payments and Open Banking Surveys 2022December 20223322323Free/low priced cash withdrawalsGood mobile banking appFree current accountProximity of branchesQuality of adviceAdditional services(e.g.,discounts)Strategy&1Ranking of top fa
6、ctors per country23Strategy&Banks are facing challenges concerning key experience factorsPayments and Open Banking SurveySource:Strategy&Payments and Open Banking Survey 2022December 20224Strategy&Good mobile banking appMobile apps are becoming more important for banking services,handing an advantag
7、e to fintechsFree current accountOpen Banking and aggregation models enable easy(free)account selection,benefiting challengersFree/low priced cash withdrawalsThe pandemic-related shift away from cash(withdrawals)has continued,rendering bank networks increasingly obsoleteStrategy&Payment behavior end
8、ures:No post-Covid cash revival,but no acceleration of declinePayments and Open Banking Survey43%37%37%27%31%30%19%19%17%11%14%16%202020182022Mobile wallets,apps and otherCredit cardsDebit cardsCashDecember 2022534%6%26%13%20%16%34%10%25%9%16%16%Shops askfor itOnly cash paymentpossibleIts easier for
9、 meto pay in cashCash is safer thancards/walletsI dont pay cash/otherEasier expense/budget control20202022Decline in cash preference is stable.and consumer reasons for cash are weakeningWhat is your general preference for payments when you are shopping or paying for services?In situations where you
10、pay with cash what are the main reasons?1)Consumer reasonsMerchant reasons28%1%42%19%22%n/aAll respondentsRespondents with cash preference2)Trend since 2020Note:Figures may not add up due to rounding;total figure calculated as weighted average based on population|1)Multiple answers possible;2)2022 f
11、iguresSource:Strategy&Payments and Open Banking Surveys 2018,2020,2022(10 countries)Strategy&61%61%60%52%49%44%28%26%20%57%56%45%38%32%24%22%20%15%47%35%30%31%ITCHATUKESFRDE48%PLNL23%SE201820202022Cash preference bottoms out at 20%but is even lower for younger populationPreference for cash when shop
12、ping/paying for servicesPayments and Open Banking SurveyQuestion:What is your general preference for payments when you are shopping or paying for services?Answer:Cash1)2022 figures|Source:Strategy&Payments and Open Banking Surveys 2018,2020,2022(10 countries)Cash preference continues to decline in c
13、ountries which previously had a high level of cash preference In countries where cash has been less popular,the relevant proportion favoring cash bottoms out at around 20%-11pp-2pp+0pp-2pp-7pp-9pp-2pp+6pp-7pp-2ppDecember 20226Delta to population 35 years old1)54%44%34%28%29%19%Strategy&39%42%34%42%3
14、9%36%30%38%26%33%24%41%33%35%36%Approximately one third of online payments(and preference)is already no longer bank-ownedPayments and Open Banking SurveyNote:total figure calculated as weighted average based on population|1)Question:When you shop online,what is your preferred payment method?;2)Sligh
15、tly different samples:Global Payments Report additionally includes NO and RU,but not AT and CH;3)Based on Global Payments Report 2022(Worldpay/FIS)|Source:Worldpay/FIS,Strategy&Payments and Open Banking Survey 2022December 2022728%25%26%17%10%14%20%5%8%6%9%5%Preference1)Usage3)27%#1 preferred online
16、 payment method by country1)Online payment method:preference vs.usageEurope2)Credit cardDebit cardPayPalApple Pay/Google PayBank transferInstalments/Pay by InvoiceOtherDigital/mobile walletStrategy&Strategy&SurveyGlobal Payments ReportTypically non-bankStrategy&One in five go shopping without their
17、purse banking apps become even more relevant,handing advantage to fintechsPayments and Open Banking SurveyNote:Figures may not add up due to rounding;total figure calculated as weighted average based on population|1)Selected countries displayed,as of November 2022,US Apple App Store:5 out of 5,Googl
18、e Play Store:3/5,PL App Store:2/5,Play Store:n/a,UK App Store:3/5,Play Store:0/5,DE App Store:1/5,Play Store:1/5;2)2020 figures(Average of TR:4.4x,UK:3.0 x,FR:2.3x,DE:2.1x);3)Based on analysis of 25 German mobile banking apps,as of Q1 2022;4)Difference for challenger vs.traditional banking apps(excl
19、.direct banks)shown|Source:Liftoff/App Annie,Optima,SimilarWeb,Strategy&Payments and Open Banking Survey 2022December 202287%7%7%15%65%AlwaysRarelyMost of the timeNeverRegularlyHow often do you leave the house without your purse(just with your smartphone)to go shopping?21%leave the house for shoppin
20、g at least regularly without their purse3xmore monthly sessions per user in fintech apps2)+67%more features in fintech apps3)-16%faster log-in time in fintech apps3,4)Fintechs entering top 5Challenge to bank apps#of fintech apps among top 5 free finance apps(x out of 5)1)Mobile wallets replace plast
21、icAdditional 15%rely at least rarely just on mobile paymentsFintech apps compared to banking apps(in selected countries)Strategy&Traditional current account providers are facing challengesfrom various quartersPayments and Open Banking SurveySource:Strategy&Payments and Open Banking Survey 2022Decemb
22、er 20229Banks are forced by regulation to offer easier,convenient account switching e.g.,in Current Account Switch Guarantee in UKBanks are forced by regulation to provide transparency on fees e.g.,EU Directive on on the comparability of fees related to payment accountsChallenger propositions increa
23、singly combine current accounts and loyalty benefitse.g.,Klarna/Stocard,XPay walletsAccount aggregation services enable easy choice of(free)current accounte.g.,Google Plex concept(even if discontinued)Rise of XPays diminishes the connection between the consumer and the banks cards and current accoun
24、ts e.g.,Apple Pay,Google PayNon-bank fintech players offering current account(solutions)e.g.,PayPal Direct Deposits in the US,Klarna with full bank accountStrategy&Strategy&Payments and Open Banking SurveyDecember 202210How big has the threat already become?Strategy&Open Banking:Willingness to share
25、 data in exchange for benefits remains low banks are the most trusted Payments and Open Banking SurveyNote:Figures may not add up due to rounding;total figure calculated as weighted average based on population|1)Question:Would you be willing to share your data(e.g.,payment transactions)in order to r
26、eceive rewards/benefits/additional services?;2)Question:With whom would you share such data?(multiple answers possible)Source:Strategy&Payments and Open Banking Surveys 2018,2020,2022(10 countries)December 202211Traditional banks/card issuersPayment service providers(Offline)RetailersInternet giants
27、(Big Tech)Neobanks/FintechsPSP58%55%57%23%25%22%20%20%20%Not decided20182020Not willing to share2022Willing to shareWillingness to share data in exchange for benefits1)18202221%4%7%11%7%17%3%8%9%7%20%5%7%10%5%22Most trusted providers for data sharing2)Strategy&but one in two pe
28、ople 80%1)are driven by account information services(AIS)Payments still with minor share,yet strong growth(CAGR of 250%2)over last two years)Majority of users are consumers business users only account for 10%3)Moving forward:Further use cases needed beyond todays focus on financial services esp.mark
29、eting Shift focus to B2B(esp.SME use cases)as key lever for acceleration UK uptake points to increasing relevance in the Euro zone over the next 2-3 yearsMostly used todayCardsCustomer InformationInsuranceLocatorsNotificationAccountInformationInvestmentsLendingPaymentsSavingsOnboardingSecurityProduc
30、t InformationStatisticsOther ServicesAndreas PratzPartnerYour Strategy&contactsMischa Koller is a Senior Manager with Strategy&,based in Munich.He advises clients in the financial services industry,focusing on digital payments and operational excellence.Mischa KollerSenior ManagerDecember 2022Paymen
31、ts and Open Banking Survey+49 170 Johannes GrtnerDirectorJohannes Grtner is a Director in Strategy&s financial services practice,based in Munich.He advises leading payment providers,banks,fintechs and investors across EMEA on strategic questions,focusing on growth,profitability,product positioning a
32、nd deal situations.18Timm Niethammer is a Manager with Strategy&,based in Munich.He advises clients on strategic questions in the financial services industry across Europe and Middle East,focusing on digital payments and retail banking.Timm NiethammerManagerNatalie Jehle is an Associate with Strateg
33、y&,based in Frankfurt.Her areas of focus include advising clients in the financial service industry specializing in particular in payments.Natalie JehleAssociateAndreas Pratz is a banking and fintech Partner with Strategy&,based in Munich/Zurich.He advises clients in digital payments and retail banking.He specializes in establishing new businesses,pursuing growth and efficiency programs,and M&A.+49 1512 +49 1512 +49 160 +49 171 Strategy&