March 2007
The president of Inter-American Development Bank argues that achieving greater "financial democracy" is crucial for achieving greater inclusiveness, improving social cohesion, and generating broad-based growth.
Abstract
January 2007
Many preretirees have too rosy a picture of their golden years, and financial-planning firms have yet to develop helpful solutions.
Abstract
November 2005
To be competitive, most foreign issuers will need to partner with a local company.
Abstract
September 2005
Investment advice and better service are the places to start.
Abstract
July 2005
Financial-service providers that don't invest in better customer service will lose out on a potentially valuable consumer segment.
Abstract
December 2004
The race is on to make money from individual consumers. Foreign banks had better get into the game.
Abstract
December 2004
The hour is late for foreign companies that haven’t already entered the Chinese market, but not too late for those with strong skills and creative strategies.
Abstract
August 2004
Four approaches could help issuers raise their profitability by up to 15 percent.
Abstract
August 2004
Financial institutions will need to do more than just translate their brochures into Spanish to capitalize on opportunities in this consumer segment.
Abstract
December 2003
Turning a profit in China’s nascent credit card market could take a while; here’s a shortcut.
Abstract
November 2002
Money remittance services for immigrants represent a high-margin opportunity for financial institutions prepared to offer them a better deal.
Abstract
November 2002
Well-to-do investors in Europe are a hard market to crack. A new segmentation scheme could provide hooks for drawing and retaining them.
Abstract
June 2002
Although some product markets will open up for foreign banks in China, the playing field won’t be as level as many expected. Yet Chinese banks must become far more savvy or risk losing their local dominance.
Abstract
May 2002
Asian banks will lose business unless they learn to tailor their services to individual needs.
Abstract
December 2001
People who have never had a bank account could enjoy basic banking facilities for the first time thanks to mobile financial services—a good reason for service providers to turn their sights to emerging markets.
Abstract
June 2001
Before purchasing financial products, most Europeans want advice from experts. Broadband technology will allow it to be dispensed on-line, but will consumers accept the new dispensation?
Abstract
February 2001
A survey probing Asian attitudes toward financial services suggests that many people say one thing and do another.
Abstract
August 2000
Physical banks are not an anachronism, but less is sometimes more.
Abstract
August 2000
Both mobile phones and interactive TV could help on-line financial services reach market segments that elude other devices for accessing the World Wide Web.
Abstract
August 2000
Round one of the on-line brokerage game was about adjusting to a new medium in a raging bull market of technology stocks and rising price-to-earnings ratios. Round two is about holding the client’s hand.
Abstract
August 2000
Incumbents have grown rich from customers who don’t manage their assets rationally. The World Wide Web will take away most of that income, but now that incumbents are finally facing the music, they are starting to compete effectively.
Abstract
August 2000
Conventional credit card issuers need not cede territory to on-line upstarts offering low interest rates. They still have strengths that can be used to maintain a competitive advantage—if they move quickly.
Abstract
August 2000
New Internet-based players face more challenges than some of them—or the stock market—once expected. Even so, the Net’s advantages can be brought to bear on the mortgage industry.
Abstract
February 2000
Two South African companies are showing that the poor are neither unbankable nor uninsurable. Bankers and insurers in Asia, Eastern Europe, and Latin America, take note.
Abstract
May 1999
Being an insider in your local market is no longer enough. Do you have the skills to specialize or the market cap to acquire?
Abstract
November 1998
Just about everyone who is (or is about to be) on-line has a bank, a broker, a credit card, or a mortgage. For a long time, the business has been a matter of numbers flickering from one file to another.
Abstract
November 1998
The future of the US payment card system.
Abstract
August 1998
The banking, credit card, brokerage, and insurance industries are inexorably converging into a single personal financial services industry. Research has shed light on the flow of funds between products, the changing sources of profitability, and the reasons for these movements.
Abstract
November 1997
There are many deals and more consolidation ahead. Ultimately, the model may be airlines or aerospace. Size will count, but success will require more than empire building.
Abstract
August 1997
Could banks be a new channel to sell insurance? Three partnership models.
Abstract
August 1997
Five key trends need to be recognized. Success will rest on knowing what customers really want.
Abstract
August 1997
$30 billion in economic value could be created. And many players could participate. Buying a home without a realtor or lawyer.
Abstract
May 1997
$380 billion in global profits and $255 billion outside the United States. Chinese profits could exceed the United Kingdom’s by 2002.
Abstract
May 1997
Germany’s mutual fund market is growing in line with Germans’ realization that they can no longer rely on the state pension to provide for their old age. This article looks at the types of retirement product that are likely to emerge, and at the market roles fund providers old and new might take.
Abstract
February 1996
As tight expense control runs out of steam as a means of generating earnings, financial services executives are wondering how best to achieve growth. McKinsey set out to identify the growth stars of the last decade, with surprising results.
Abstract
May 1995
Battling for the wallet. For many players, bigger profits hide weaker positions. Who will be the discount stores, warehouse clubs, and category killers? Capturing 1,000 pieces of information per customer.
Abstract