Nielsen：美国富人数字零售银行使用情况调查报告（英文版 PDF 下载）
In the traditional analog banking world, huge investments have been made in physical bank branches, canvassing many geographies, staffed with cadres of tellers and advisors engaged in high-touch transactions. Times have changed, and technology and digital channels are top of mind for retail banks. The focus has shifted to a seamless end-to-end digitized experiences for banking consumers. In a recent survey of banking professionals by Temenos, 23 percent of respondents saw the threat of competition from technology companies like Amazon, Apple and Google as their top concern within the industry. Perhaps in response to this threat, 18 percent of respondents indicate investment in digital channels as a top priority, with 23 percent citing mobile and online channels as top information technology spending priorities.
When developing strategies to address the digital revolution, the focus should be on valuable consumers with robust assets and deep pockets. Nielsen has singled out these valuable consumers, the Mass Affluent, as those households with $250,000 to $1,000,000 in liquid assets (IPA), excluding real estate. The Mass Affluent make up about 11 percent of U.S. households, however they control about 26 percent of total U.S. wealth, making them an attractive segment of the population for financial institutions.
