Consumer Lending
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Strategy Briefing
Financial Inclusion in Latin America
Jul 2018
Latin America is home to a number of innovative financial inclusion efforts to reach unbanked consumers, as well as to reach financially underserved consumers who only utilise basic financial services. The region demonstrates the importance of ...
Strategy Briefing
Retail Payment Preferences Around the World
May 2018
Payment is an integral part of the retail transaction. Some of the largest retailers today have come to power by making payments more convenient. Convenience is, however, largely subjective, and it is often relative to previous norms. This report ...
Strategy Briefing
The Impact of Online Retail in Asia Pacific on Financial Services and Consumer Payments
May 2018
The conversion of online retailing from store-based retailing has impacted financial services and the way consumers pay across the world. In emerging markets the transition has been fastest in Asia Pacific, and allowed non-bank competitors into the ...
Strategy Briefing
Opening the Vaults: The Impact of PSD2 on the European Payscape and Beyond
Mar 2018
The rise of smartphones and the convenience of internet banking are dramatically shifting how consumers approach payments. With opportunity comes risk. Finding a way to regulate this new payscape must balance competing security, innovation and ...
Strategy Briefing
Financial Cards and Payments in Western Europe
Feb 2018
Western Europe is the third largest region in the world for both consumer and card payments. At a country level, consumer payment preferences vary considerably across markets. Cash payments remain a dominant force in several countries, while a ...
Country Report
Consumer Lending in China
Feb 2018
The Chinese government continues to regulate the real estate market by setting limitations on real estate transactions and loans with aim of restricting the increase of mortgage/housing loans in outstanding balance. As a result, a number of local ...
Country Report
Consumer Lending in Vietnam
Jan 2018
In 2017, consumer lending in Vietnam continued to record healthy double-digit growth in both gross lending and outstanding balance. Durables lending saw the fastest value growth while other personal lending recorded the highest value sales. The ...
Country Report
Consumer Lending in Australia
Jan 2018
Consumer lending in Australia continued in 2017 to record a positive performance. This was primarily driven by the unrelenting demand for housing that led to double-digit growth for mortgages/housing. Such strong growth was primarily driven by the ...
Country Report
Consumer Lending in Nigeria
Dec 2017
Consumer lending in Nigeria is still very much a developing category that is yet to mature since the vast majority of the population do not have access to credit. This is largely because most consumers are not on above average salaried incomes that ...
Country Report
Consumer Lending in South Africa
Dec 2017
South Africa continued to experience slow economic growth in 2017 driven by high unemployment, poverty, rising cost of utilities, and the declining exchange value of the South African rand. As a result of the challenging economic environment, the ...
Strategy Briefing
Financial Cards and Payments in Asia Pacific
Nov 2017
Asia Pacific represents the largest region in both financial cards in circulation and card payment value. As a result, the region also is home to the largest card network and issuers by the same metrics. Having rapidly adopted card payments over the ...
Country Report
Consumer Lending in India
Nov 2017
With the rising number of millennials who are more open to the ideas of loans, EMI (equated monthly instalments), the use of credit cards and consumer credit registered strong growth in 2017. The traditional loan types such as mortgages and education...
Country Report
Consumer Lending in Mexico
Nov 2017
The last report from the Bank of Mexico reported a general inflation of 6% during the first days of August 2017; although this indicator continues to be far from its 3% goal, the growth rate started to contract, showing different trends for energy ...
Country Report
Consumer Lending in Ukraine
Nov 2017
In 2017, the Ukrainian economy started to slowly recover after a long recession, primarily driven by expanding domestic consumption and investment demand. However, the threat of inflation remains strong, with prices rising fastest for food products, ...
Country Report
Consumer Lending in Canada
Nov 2017
The Canadian housing market continues to remain in a slump amidst tougher mortgage regulations and growing interest rates. Increases in household final consumption expenditure and spending on durables (especially auto sales) were some important ...
Country Report
Consumer Lending in Thailand
Nov 2017
Gross lending recorded negative growth in 2017 following the slowdown in the economy and the growth of NPLs (non-performing loans) over the review period. Credit card players were forced to reduce interest rates and credit limits, including the ...
Country Report
Consumer Lending in Hungary
Nov 2017
The massive improvement in key macroeconomic measures is a definite indicator of more-optimistic sentiment. A lower unemployment rate and increasing wage levels are resulting in Hungarian customers being more certain about their ability to repay ...
Country Report
Consumer Lending in Japan
Nov 2017
Consumers are not familiar with borrowing money in Japan in general. Although a turning point in the card environment is set to be witnessed, the ratio of cash to GDP in Japan remains at 19.4%, which is 11 times larger than Sweden. In addition, the ...
Country Report
Consumer Lending in Taiwan
Oct 2017
Over the review period, Taiwan saw value growth in consumer lending, driven by low income growth, rising costs of living and rising income disparity. Although the national unemployment rate remained relatively low at 3.8% in 2017, the number of ...
Country Report
Consumer Lending in the US
Oct 2017
Political and economic changes have sustained the expansion of consumer lending. Economic policies are set to benefit credit expansion and minimise strict regulation for lenders. The government is looking to alter the functions and reach of the ...
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