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BRIDGING THE GAP: THE RISE OF THE DIGITAL RETAIL INVESTOR

The 2021 Saving into Investment Benchmark

Across the world, micro-trading apps such as Robinhood continue to gain traction, highlighting the appetite of the mass affluent to venture into the world of investing.
 
The opportunity for banks in moving savers to investors is also starting to be realised, with many of the larger institutions moving towards offering digital investment propositions.
 

But which banks are doing it well?
We analysed the top 30 banks across Europe to understand the current landscape of saving and investing capabilities and to identify key areas of innovation that banks can focus on to engage, retain and attract new customers.
 
 
Highlights
 
Bullet   83% of banks we analysed offer savings goals for their customers
Bullet   40% offer their customers goal-based investing
Bullet   Just 20% guide their customers from saving to investing in a seamless journey

 

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Benchmarking digital offerings of 30 European banks and challengers

Savers into investors

Seamless journey from saving to investing

By moving savers to investors, financial services have a unique window of opportunity to form lifelong client relationships, shift idle funds off their balance sheet and unlock new revenue streams. For us, this is the future of financial services, but only some of the banks are capitalising on the opportunity.

See which banks are keeping up

Saving propositions

Savings and investment propositions

A customer-led shift towards demand for digital savings and investment propositions has been growing over the last five years. This has rapidly accelerated by key events of the last year: Covid-19 and the Gamestop saga. Customers feel empowered to make more of their money, and if their bank doesn't have the products, they will look elsewhere.

Find out who is offering the solutions

Mobile app

Mobile apps

Offering services on a mobile app is now seen as a basic requirement of banking thanks to the first wave of digitalisation. But it's not enough for financial insitutions to merely provide the right channels, now they must use this to guide their customers to propositions that help them make more of their money.

See who's doing it

Converting savers into investors unlocks hidden revenue.

 

But only 20% of European banks offer a seamless journey for the customers to move from saving into investing. 



 

 

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Banks have a unique window of opportunity to form lifelong client relationships, shift idle funds off their balance sheet and unlock new revenue streams.

 

Find out which institutions are keeping up.

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Get in touch with the team

Interested in building digital investment propositions for your customers? Chat to the team.

 

 

Nucoro works with leading fintech providers to power financial innovation.

Bud   GBG
     
Unblu   Jumio
 

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Powering financial innovation