2017美国个人理财市场报告（英文版）_16页_1mb

ThinkNow Money™ 2017 Report Summary

Core Content

This report provides insights into the financial behaviors and perceptions of different demographic segments in the United States, including Hispanics, African Americans, Asian Americans, and the Total market. It highlights key trends in financial concerns, saving habits, investment attitudes, spending caution, and awareness of digital payment methods.

Main Findings

Financial Concerns

• Most Americans expressed at least some concern about their financial future.
• Hispanics were the most concerned overall, while Asian-Americans were the least concerned.
• Asian-Americans were also the least likely to feel overwhelmed by financial matters.

Saving and Investment Habits

• 4-in-10 Americans say they don’t make enough money to save.
• Asian-Americans are the most likely to be saving.
• A slight majority of Americans say they are saving or investing for their retirement.
• Hispanics are the most risk-averse when it comes to investing.

Spending Behavior

• Hispanics and African-Americans are the most cautious about how they spend their money.
• Despite this caution, they are more likely to buy themselves something occasionally compared to Whites and Asian-Americans.
• Older consumers and those with less disposable income tend to be more cautious with their money.

Awareness and Usage of Digital Payment Methods

• Hispanic consumers have the lowest awareness of popular app-based payment methods.
• Asian-Americans have the highest awareness.
• Usage of these payment apps is clearly driven by Millennials, with males and higher-income consumers more likely to use them.

Key Services and Offerings

ThinkNow Money™ offers a wide range of market research services, including:

• Quantitative, Qualitative, Mixed Mode research
• Online Panel building
• Intercepts research
• Concept and Copy Testing
• Advertising Effectiveness
• Website Usability Studies
• Omnibus Surveys
• Attitudes & Usage analysis
• Brand Tracking
• Product Testing
• Online & Offline Qualitative research

They are a full-service market research company that owns and operates an in-house Hispanic panel, serving a diverse range of clients including Fortune 500 companies, ad agencies, nonprofits, and other market research firms.

Demographic Insights

The report includes a detailed sample profile for each demographic segment, highlighting:

• Gender distribution: Similar across all segments, with a slight majority of males in Hispanics and a higher proportion of females in African-Americans.
• Age distribution: Hispanics are younger on average (mean age 37), while Whites are older (mean age 42).
• Household Income: Hispanics have the lowest median income ($45K), while Asian-Americans have the highest ($75K).
• Census Region: Hispanics are more concentrated in the South and West, while Whites are more prevalent in the Northeast and Midwest.
• Educational Attainment: Asian-Americans are more likely to have BA/BS or higher education, while Hispanics are more likely to have some college/AA/Trade.

Perception of Banks

• Overall perception of banks is mostly positive, especially among Hispanics and African-Americans.
• A small share of consumers across all segments don’t believe in keeping their money in a traditional bank.
• Online research is the most common source for choosing a bank, followed by reviews/ratings services and bank websites.
• African-Americans are more likely to rely on friends and spouses/significant others for bank selection.

Summary Table of Key Insights

This report provides valuable insights for businesses and organizations seeking to understand and engage with diverse consumer segments in the financial industry.