ThinkNow-2017美国个人理财市场报告（英文版）-18页-2mb

ThinkNow Money™ 2017 Summary

Core Content

ThinkNow Money™ is a nationwide survey conducted in March 2017, which explores the attitudes and financial behaviors of Americans across different racial and ethnic segments. The survey uses an online method through ThinkNow Research's Omnibus Study and includes a diverse sample of 1,261 individuals, divided into key demographic groups: Hispanics (512), Non-Hispanic Whites (262), African-Americans (262), and Asian-Americans (226).

Main Findings

Financial Concerns

• Most Americans express some concern about their financial future.
• Hispanics are the most concerned, while Asian-Americans are the least concerned and least likely to feel overwhelmed.
• A slight majority of Americans say they are saving or investing for retirement.

Saving and Income

• 4-in-10 Americans say they don't make enough money to save.
• Asian-Americans are the most likely to save, while Hispanics and African-Americans are more cautious with their spending.

Financial Product Usage

• Hispanics and African-Americans under-index on financial products like credit cards and retirement accounts.
• Awareness and usage of app-based payment methods are lowest among Hispanics and highest among Asian-Americans.
• Millennials are the primary users of these payment apps, with males and higher-income consumers also more likely to use them.

Bank Perception and Selection

• Overall perception of banks is mostly positive, especially among Hispanics and African-Americans.
• Only a small percentage of respondents do not believe in keeping their money in a traditional bank.
• When choosing a bank, online research is the most common source, followed by reviews/ratings and bank websites.

Key Insights

• Age and income significantly influence financial caution. Older individuals and those with less disposable income tend to be more cautious.
• Acculturation levels affect financial behaviors. Hispanics show a range of acculturation levels, with bicultural being the most common.
• Language use at home varies among Hispanic subgroups, with Spanish and English equally spoken being the most common.

Services Offered

ThinkNow provides a range of market research services, including:

• Quantitative and Qualitative Research
• Mixed Mode Research
• Online Panel Building
• Concept and Copy Testing
• Advertising Effectiveness
• Website Usability Studies
• Omnibus Surveys
• Brand Tracking
• Product Testing
• Online and Offline Qualitative Research

Sample Demographics

General Demographics

• Gender distribution is relatively balanced across all groups.
• Age distribution shows that Hispanics are younger on average (mean age 37) compared to Non-Hispanic Whites (mean age 42).
• Household income varies, with Asian-Americans having the highest median income ($75,000) and Hispanics the lowest ($45,000).

Hispanic Sample Profile

• Language spoken at home: Spanish only (10%), Spanish mostly (27%), Spanish and English equally (34%), English mostly (15%), English only (14%).
• Country of origin: Mexican or Mexican-American (64%), Puerto Rican (12%), Cuban (6%), Dominican (3%), Central American (6%), South American (12%).
• Acculturation: Less acculturated (20%), Bicultural (55%), More acculturated (25%).

Conclusion

The 2017 ThinkNow Money™ survey provides valuable insights into the financial attitudes and behaviors of Americans, highlighting differences among racial and ethnic groups. It underscores the importance of understanding these nuances for effective market research and financial product development.