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, aimed at understanding Americans' attitudes and financial behaviors. The survey includes data from key race/ethnic segments: Hispanics, Non-Hispanic Whites, African-Americans, and Asian-Americans. The methodology involved an online omnibus study, targeting individuals aged 18-64.

Key Findings

Financial Concerns

• Most Americans express concern about their financial future, with Hispanics being the most concerned and Asian-Americans the least.
• 40% of Americans say they don’t make enough money to save, with Asian-Americans being the most likely to save.
• A slight majority (51%) say they are saving or investing for retirement.

Risk Aversion and Spending Habits

• Hispanics and African-Americans are the most cautious about how they spend their money.
• Despite caution, they are more likely to buy themselves something occasionally compared to Non-Hispanic Whites and Asian-Americans.
• Cautious spending behavior is more common among older individuals and those with less disposable income.

Bank Perception and Usage

• Overall perception of banks is positive, especially among Hispanics and African-Americans.
• Only a small percentage of respondents do not believe in keeping money in traditional banks.
• When choosing a bank, online research is the most relied-upon source, followed by reviews/ratings and bank websites.
• Hispanic consumers have the lowest awareness of app-based payment methods, while Asian-Americans have the highest.

Payment App Usage

• Usage of payment apps is driven by Millennials, with males and higher-income consumers more likely to use these methods.
• Google Wallet, Apple Pay, Samsung Pay, and Android Pay show varying levels of usage across demographics.
• Payola has the lowest usage, and many respondents have not used any of these payment apps.

Demographics

Sample Profile

• Total sample size: 1,261
• Hispanics: 512
• Non-Hispanic Whites: 262
• African-Americans: 262
• Asian-Americans: 226

Gender and Age Distribution

• Gender:
  • Hispanics: 51% male, 49% female
  • Non-Hispanic Whites: 50% male, 50% female
  • African-Americans: 48% male, 52% female
  • Asian-Americans: 47% male, 53% female
• Age:
  • Hispanics: 46% aged 18-34, 54% aged 35-64, mean age 37
  • Non-Hispanic Whites: 34% aged 18-34, 66% aged 35-64, mean age 42
  • African-Americans: 41% aged 18-34, 59% aged 35-64, mean age 39
  • Asian-Americans: 39% aged 18-34, 61% aged 35-64, mean age 39

Income and Educational Attainment

• Household Income:
  • Hispanics: 43% under $40K, 33% $40K-$79K, 21% $80K+
  • Non-Hispanic Whites: 27% under $40K, 29% $40K-$79K, 36% $80K+
  • African-Americans: 47% under $40K, 29% $40K-$79K, 18% $80K+
  • Asian-Americans: 23% under $40K, 26% $40K-$79K, 42% $80K+
• Educational Attainment:
  • Hispanics: 4% not high school graduate, 18% high school grad/GED, 42% some college/AA/Trade, 36% BA/BS or higher
  • Non-Hispanic Whites: 4% not high school graduate, 15% high school grad/GED, 35% some college/AA/Trade, 46% BA/BS or higher
  • African-Americans: 5% not high school graduate, 22% high school grad/GED, 41% some college/AA/Trade, 32% BA/BS or higher
  • Asian-Americans: 2% not high school graduate, 8% high school grad/GED, 28% some college/AA/Trade, 62% BA/BS or higher

Language and Origin

• Language Spoken at Home:
  • Hispanics: 10% Spanish only, 27% Spanish mostly, 34% Spanish and English equally, 15% English mostly, 14% English only
• Country of Origin:
  • Hispanics: 64% Mexican or Mexican-American, 12% Puerto Rican, 6% Cuban, 3% Dominican, 6% Central American, 12% South American

Acculturation

• Hispanics:
  • 20% less acculturated
  • 55% bicultural
  • 25% more acculturated

Services and Methodology

ThinkNow provides quantitative, qualitative, mixed-mode, and online market research services, including:

• Online Panel
• Intercepts
• Phone Surveys
• Online Market Research Communities
• Concept and Copy Testing
• Advertising Effectiveness
• Website Usability Studies
• Omnibus Surveys
• Attitudes & Usage
• Brand Tracking
• Product Testing
• Online & Offline Qualitative Research

They serve a wide range of clients, including Fortune 500 companies, ad agencies, nonprofits, and other market research firms, with specific expertise in Hispanic, African American, Asian, and Total markets, and experience in hard-to-reach demographic sub-groups. They also operate an in-house Hispanic panel.