Retailer Consumer Finance and Banking in North and Latin America

PR Web

United States (PRWEB) April 22, 2014

Retailer Consumer Finance and Banking in North and Latin America is a new report, based on a survey of over 1,400 prominent retail brands in 12 countries, about the provision of consumer finance at the point of sale by major retailers. Retailer initiatives in savings deposits, personal loans, mortgages and international remittances are also considered. Countries covered are Argentina, Brazil, Canada, Chile, Colombia, Costa Rica, Ecuador, Mexico, Paraguay, Peru, Uruguay and the USA.

In total, the research identifies over 200 consumer finance schemes and over 180 product initiatives in retailer banking, thereby providing a definitive analysis of retailer consumer finance and banking in North and Latin America that goes far beyond the scope of previous published research. Moreover, the PartnerBASE™ dataset that accompanies the report details each of the many retailer consumer finance and banking programs traced by Finaccord, specifying the operating models used by retailers and the identities and ultimate holding companies of the ultimate product providers in each case.

Key features of this report include:

   • definitive coverage of the involvement in consumer finance and banking of over 1,400 major retail brands in 12 countries in the Americas;
   • focus on over 200 consumer finance schemes: which providers of point-of-sale finance are strong in which countries and with which retailers do they collaborate?
   • comprehensive listing of retailers using captive or joint venture point-of-sale finance divisions or subsidiaries for their consumer finance schemes;
   • identification of over 180 individual product initiatives in retailer banking including the split by country, retailer category and retailer distribution model (i.e. offline-only, online-only and mixed);
   • identification of numerous consumer finance and banking product providers with which major retail chains co-operate including both long-established banking organisations and innovative new entrants. You may be able to use this report and the PartnerBASE™ that accompanies it in one or more of the following ways:

   • gain rapid access to a unique pan-American source of intelligence covering virtually all significant retail brands across an extremely wide range of geographies;
   • appreciate how the prevalence of initiatives in retailer consumer finance and banking varies by country, by retailer category and by retailer distribution model;
   • monitor the activity of key national and international competitors in the retailer consumer finance sector including subsidiaries of Cencosud, eBay, GE and Walmart;
   • evaluate the potential for acquiring the existing consumer finance portfolios of retail groups by purchasing equity stakes in captive finance entities or taking over internally-managed schemes;
   • learn more about the growing number of retailer banks in the Americas including Banco Azteca, Banco Paris, Banco Ripley, Banco Walmart, BanCoppel, Bluebird, Canadian Tire Bank and Midway Financeira. The key findings from this report are :
1. Retailers in two categories – namely, department store / variety and consumer electronics – are the most likely to have established schemes for consumer finance .
2. Across the 12 countries, over 200 major retailers surveyed have an arrangement for consumer finance with a significant number of these using a captive or funding them on an internal basis
3. When its point-of-sale finance partnerships are viewed in weighted terms, LuizaCred seems likely to be the second-ranked provider in Brazil
4. Key findings from the executive summary include:

   • Argentina hosts the retailers most likely to offer consumer finance with a provision rate of 23.5%, followed by Mexico at 22.9% and Paraguay at 20.0%;
   • working in conjunction, the US-based duo of Bill Me Later (run by PayPal and thus owned ultimately by eBay) and Alliance Data'sComenity Bank is identifiable as the most common provider of point-of-sale consumer finance in the Americas;
   • 53 different entities are reported as non-internal partners of retail brands for consumer finance schemes identified - many of these are entities in which the retail brands have no ownership stake although a total of 22 different captive and joint venture providers are visible in consumer finance, with 15 also active in retailer banking, and with some overlap between these two groups;
   • at 12.8% of department store and variety retail brands researched, this is the retailer category that is most likely to be involved in mainstream banking, followed by supermarket and hypermarket brands, at 11.8%.

More details and table of contents of this report can be found by visiting Retailer Consumer Finance and Banking in North and Latin America report.

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