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Consumer Credit & Debt Market Report 2015

  • February 2015
  • -
  • Key Note Publications Ltd

In this Market Report, Key Note discusses the market for consumer credit in the UK, as well as the debt this has left households with. Use of consumer credit is widespread across the population; this has resulted in a diverse product selection as products have been tailored to meet an array of circumstances. The sectors in this report reflect this diversity, covering lending on plastic cards; from banks, mutuals and credit unions, and supermarket-branded banks; from short-term credit providers (broken down into payday lenders, retailer and rent-to-buy credit, home credit, pawnbrokers and logbook loans); and through a relatively new medium, peer-to-peer (P2P) lending platforms.

Table Of Contents

Consumer Credit and Debt Market Report 2015
Consumer Credit and Debt 2015
Foreword
Introduction and Definition
INTRODUCTION
DEFINITIONS
Card Credit
Mutuals
Peer-to-Peer Lending
Personal Loans
Revolving Credit
Short-Term Credit
Executive Summary
What's KEY in the Market?
KEY DRIVERS
MARKET TRENDS
Household Debt and the Consumerist Economy
Challenger Institutions Face Off with Mainstream Lenders
High-Cost Credit Continues to Come Under Scrutiny
ECONOMIC TRENDS
Future Economic Trends
HOW ROBUST IS THE MARKET?
KEY POINTS FOR THE FUTURE
Banks
BACKGROUND
Interest Rates
Distribution
Competitor Dynamics
MARKET SIZE
Gross Advances of Structured Personal Loans
THE FUTURE
Mutuals and Credit Unions
BACKGROUND
Building Societies
Credit Unions
MARKET SIZE
Mutuals
Credit Unions
THE FUTURE
Supermarkets
BACKGROUND
MARKET SIZE
THE FUTURE
Card Credit
BACKGROUND
Credit and Charge Cards
Store Cards
MARKET SIZE
Credit Cards
Store Cards
THE FUTURE
Short-Term Credit
BACKGROUND
Households Active in the Market
Payday Lending
Home Credit
Retailer and Rent-to-Buy Credit
Pawnbrokers
Logbook Loans
MARKET SIZE
Payday Lending
Home Credit
Retailer and Rent-to-Buy Credit
Pawnbrokers
Logbook Loans
THE FUTURE
Peer-to-Peer Lending
BACKGROUND
Government Overhaul of Peer to Peer Lending
Borrowers and Lenders
MARKET SIZE
New Lending
Cumulative Lending
THE FUTURE
Other Consumer Credit Lenders
BACKGROUND
MARKET SIZE
THE FUTURE
Debt
KEY POINTS
HOUSEHOLD DEBT: A TICKING TIME BOMB?
Household Debt to Income
HOUSEHOLDS WITH OUTSTANDING NON-MORTGAGE DEBT
Median Amounts Outstanding
INSOLVENCIES
THE FUTURE
An International Perspective
CONSUMER CREDIT IN EUROPE
European Gross Debt-to-Household-Income Ratio
THE US
CANADA
JAPAN
HOUSEHOLD WEALTH AND INDEBTEDNESS
THE GLOBAL CREDIT UNION LANDSCAPE
Competitor Analysis
MARKET LEADERS
Banks and Building Societies
Card Credit
Supermarkets
Short-Term Credit
Peer-to-Peer Lenders
NUMBER OF COMPANIES
By Turnover
By Employment
By Region
MARKETING ACTIVITY
Card Credit
Banks, Building Societies and Credit Unions
Short-Term Credit
Unsecured Personal Loans
Miscellaneous Financial and Credit Products
TRADE ASSOCIATIONS
Buying Behaviour
CONSUMER PENETRATION
Credit/Charge Cards
Store Cards
Personal Loans
CONSUMER DYNAMICS
Summary of Responses
Attitudes Towards Lenders and Lending
Attitudes Towards Borrowers and Borrowing
Attitudes Towards Debt
Consumer Behaviour
Strengths, Weaknesses, Opportunities and Threats
STRENGTHS
WEAKNESSES
OPPORTUNITIES
THREATS
PESTEL
POLITICAL
High-Street Planning Reforms: Squeezing Out Short-Term Lenders?
ECONOMIC
European Banks Undergo Stress Testing
Interest Rate Rises on the Horizon
The Low Inflation Threat
SOCIAL
Rate of Saving
Peer-to-Peer Lending
Students, Young People and Payday Loans
TECHNOLOGICAL
Instant Data Sharing Among Payday Lenders
Internet Use
Banks Continue to Axe Branches in Favour of Digital Model
Contactless Payments
ENVIRONMENTAL
Affinity Cards and Environmental Charities
The Environmental Impact of Home Credit
LEGISLATIVE
Financial Conduct Authority Takes Over Regulation of Consumer Credit Industry
Consumer Credit Regulations
Competition and Markets Authority Review into Payday Lending Market
Further Sources
Associations
Publications
General Sources
Government Publications
Other Sources
Understanding Consumer Survey Data
Number, Profile, Penetration
Social Grade
Standard Region
Key Note Research
The Key Note Range of Reports

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