Banking, Mortgages & Credit Industry Market Research

Competitive Intelligence, Business Analysis, Forecasts, Market Size, Trends, Companies, Statistics

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Banking, Mortgages & Lending OVERVIEW

In recent years (largely as a result of a massive banking crisis during the 2007-2009 recession), global financial regulators have steadfastly made an effort to improve banking reserves and increase financial oversight to the point that future bank system meltdowns might be avoided.  Banks in much of Asia, Europe and North America have been put through stress tests by regulators and have been forced to dramatically increase their levels of capital.  Banks are holding very high levels of capital that give them a significant cushion of reserves against potential losses.
Meanwhile, methods and technologies that enable both businesses and consumers to make touchless payments and online payments boomed at incredible rates during the Coronavirus pandemic—boosting payment platforms like PayPal, Venmo and Zelle.  Consumers quickly replaced much of their physical, in-store shopping with online shopping.  Many shopping platforms with integrated payment tools, such as Shopify, saw terrific growth rates.
The Globalization of Banking:  Banking has become a highly globalized industry.  This was fueled by four factors:  1) the availability of global electronic networks for distribution of funds and real-time management of information; 2) the easing of local restrictions on ownership of banks by foreign entities; 3) the opportunity to serve the needs of multinational corporations; and 4) the increasing attractiveness, from a banker’s point of view, of rising household wealth in emerging economies.  New opportunities were sought out globally by major banks.  However, regulations in many emerging economies restrict the level to which foreign firms can own local banks.
The “Shadow Banking” System:  Non-bank companies that offer financial services are a significant competitive threat to traditional banks.  Retailers, automobile manufacturers, stockbrokers, insurance companies and other business sectors are offering a growing array of bank-like services, from loans and mortgages to credit cards, to money market accounts with checking account-like features.  In fact, Walmart, the world’s largest retailer, has become a retail financial services giant by opening banks within its stores in Mexico, along with “Money Centers” within hundreds of its U.S. stores.  Walmart is expanding into financial services in a comprehensive way in the U.S. by backing a fintech competitor named “One” in partnership with Palo Alto, California-based Ribbit Capital.  
Hedge funds and other alternative investment companies are making corporate loans, taking market share away from commercial banks.  More recently, trends in financial technology have enabled non-bank lending firms to proliferate, reaching borrowers via the Internet.
Financial Technology (FinTech) Has Become a Vital Hotbed of Innovation:  A revolutionary wave of apps for smartphones that act like debit cards, transfer funds and manage financial accounts is sweeping across the globe.  Firms on all sides of this market are trying to gain market share, including tech companies like Google and Apple; smartphone manufacturers like Samsung; and credit card companies like Visa and Mastercard.
Financial services technologies receiving the most investment and effort include those for:
=         Advanced platforms that enable mobile payments via smartphones, such as Apple Pay and Alipay (as an alternative to physical credit/debit cards and cash).
=         Artificial intelligence-driven, online management of investment accounts (“robo-investing”), with the effect of reducing management fees while increasing convenience for consumers.
=         Online lending, by firms such as OnDeck, taking some of the friction and frustration out of the borrowing process, particularly for small businesses, but also for consumers.
=         Online payments, enabled by firms such as PayPal, Zelle, Stripe and Square.
=         Online transfer of international payments.
=         Cybersecurity tools that attempt to combat online banking and payments fraud, including better online ID verification, safer login and easier use of online forms for completion of new financial account applications.

WE PROFILE HUNDREDS OF TOP COMPANIES:

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PLUNKETT PROVIDES IN-DEPTH STATISTICS TABLES COVERING THE FOLLOWING INDUSTRY TOPICS:

Top Companies Profiled

The following is a partial listing for this industry. As a subscriber, you will have access to the leading companies and top growth companies. This includes publicly-held, private, subsidiary and joint venture companies, on a global basis as well as in the U.S.


Hundreds of Top Companies Profiled, Including:

PLUNKETT PROVIDES UNIQUE ANALYSIS OF THE FOLLOWING TRENDS THAT ARE DRIVING THIS INDUSTRY:

Key Findings:

A complete market research report, including forecasts and market estimates, technologies analysis and developments at innovative firms within the Banking, Mortgages & Credit Industry. Gain vital insights that can help shape strategy for business development, product development and investments.

Key Features:

  • Business trends analysis
  • In-depth industry overview
  • Technology trends analysis
  • Forecasts
  • Spending, investment, and consumption discussions
  • In-depth industry statistics and metrics
  • Industry employment numbers

Additional Key Features Include:

Industry Glossary

Industry Contacts list, including Professional Societies and Industry Associations

Profiles of industry-leading companies

  • U.S. and Global Firms
  • Publicly held, Private and Subsidiaries
  • Executive Contacts
  • Revenues

  • For Public Companies: Detailed Financial Summaries

  • Statistical Tables

Key Questions Answered Include:

  • How is the industry evolving?
  • How is the industry being shaped by new technologies?
  • How is demand growing in emerging markets and mature economies?
  • What is the size of the market now and in the future?
  • What are the financial results of the leading companies?
  • What are the names and titles of top executives?
  • What are the top companies and what are their revenues?

This feature-rich report covers competitive intelligence, market research and business analysis—everything you need to know about the Banking, Mortgages & Credit Industry.

Plunkett Research Provides Unique Analysis of the Following Trends Affecting the Banking, Mortgages & Credit Industry

  1. Major Trends Affecting the Banking, Mortgages & Credit Industry

  2. Introduction to the Banking, Mortgages & Credit Industry

  3. Aging Populations, Baby Boomers Create Opportunities/U.S. Pension Accounts Top $40.0 Trillion

  4. Basel III, Dodd-Frank Act and Volcker Act Increase Regulation/European Solvency II and MiFID 2 Take Effect

  5. Investment Firms and Banks Compete for Clients in High-Net-Worth Households

  6. Banks and Apps Vie for Previously Underserved Markets, Including Hispanics

  7. Walmart Offers Financial Services in the U.S./Banco de Walmart in Mexico

  8. China Sees Growth in Online Payments, Banking and Lending/Alipay Soars

  9. Credit Default Swaps (CDS) and Derivatives Reach into the Trillions of Dollars

  10. Non-Banking Alternatives Grow in Lending and Crowdfunding

  11. Smartphones and Neobanks Replace Branches and Tellers

  12. Visa and MasterCard Enjoy Global Growth/Apple Card Use Soars

  13. Smartphones and Financial Technology (FinTech) Enable New Mobile Payment Methods

  14. Peer-to-Peer (P2P) Payment Systems, such as Zelle and Venmo, Soar in Popularity

  15. In Emerging Nations, mChek and M-PESA Enable Remote Banking via Smartphone

  16. High Interest Rates Hinder Mortgage Originations, Slow Home Sales & Create Challenges for Commercial Real Estate

  17. Online Competition Changes the Mortgage Industry

  18. Hedge Funds and Private Equity Play a Major Role in Financial Products Including Derivatives, Lending and Insurance (Shadow Banking)

  19. Financial Technology (FinTech) Enables Online Payments, Lending, Insurance and Robo Advisors

  20. Cryptocurrencies and Blockchain Explained

  21. Open Banking Revolutionizes the World of Banking and Finance

  22. The Future of Banking, Credit Cards, Mobile Payments and Mortgages

Plunkett Research Provides In-Depth Tables for the Following Banking, Mortgages & Credit Industry Statistics

  1. U.S. Banking, Mortgages & Credit IndustryStatistics and Market Size Overview

  2. Global Credit Card Industry Statistics and Market Size Overview

  3. Top 50 U.S. Bank Holding Companies: June 30, 2024

  4. FDIC Insured Institution Statistics: Second Quarter 2024

  5. Prime Interest Rate, U.S.: 1955-October 2024

  6. Bond Yields & Interest Rates, U.S.: Selected Years, 1950-2023

  7. Homeownership Rates by Region, U.S.: Selected Years, 1965-2023

  8. New Privately-Owned Housing Units Started, U.S.: 1985-2024

  9. Mortgage Loans Outstanding, U.S.: 1985 - Q2 2024

  10. Consumer Credit Outstanding, U.S.: 1972-August 2024

  11. Terms of Credit at Commercial Banks, U.S.: 2019-2nd Quarter 2024

  12. Employment in the Banking Industry, U.S.: 2018-2024

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This industry onlyPublication date: Nov 2024
ISBN-13: 978-1-64788-550-2
ISBN-13: 978-1-64788-058-3
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