Channel Metrics: Trends in Consumer Distribution Channel Usage in UK Financial Services - Overview Report

Table of Contents

0.0 EXECUTIVE SUMMARY

• Research background and structure
• Switching rates are highest for motor insurance, credit cards and household insurance
• Face-to-face transactions are generally declining in importance as a distribution interface
• … primarily as a consequence of rising utilisation of the Internet for a majority of financial products
• The continuing growth of the Internet is also reducing the volume of inbound telephone sales
• … although the effectiveness of outbound telephone sales is increasing for a number of products
• The long-term trend is for consumers to make less use of the post for acquiring financial services
• In a majority of cases, there is an increasing trend towards intermediation in financial services
• … which is being caused by the strong progress of office-based as well as web-based intermeds
• Not-for-profit affinity groups may be struggling to adapt to the changing env. for distribution
• The Post Office is making the greatest gains of any single non-financial commercial partner
• … and it seems possible that the influence of the supermarket dist. model has now peaked
• … although other categories of partner organisation can also offer viable niche dist. potential
• In most cases, the worksite appears to be holding its own as a dist. conduit for financial services
• The Internet and web-based brokers will triumph in some but not all areas of financial services
• … as consumers migrate to the interfaces and channels that are best suited to individual products

1.0 INTRODUCTION

• Research rationale
• A number of motivating factors underpin the Channel Metrics report and series of briefings
• Research sample and mechanics
• Finaccord
• Channel Metrics briefings
• Other UK consumer research publications
• UK affinity and partnership marketing publications
• IPT / Tpoll

2.0 CHANNEL COMPARISONS

• Introduction
• Overall customer take-up rates, 2007
• Over three quarters of respondents possess household insurance and motor insurance
• Brand new purchases, 2007
• Travel insurance records the highest implied number of brand new sales in 2007
• Switching rates - 2005 and 2007 compared
• Switching rates remain highest for motor insurance, household insurance and credit cards
• … a situation that is largely similar to that recorded for 2005
• Health and hospital cash plans register the lowest annual switching rates in 2007
• … with switching rates having increased since 2005 for nine out of 20 products
• Distribution interfaces - 2007, 2005 and all previous years compared
• Face-to-face environment
• Almost 80% of customers take out car finance contracts in a face-to-face environment
• For a majority of financial products, face-to-face transactions are declining in importance
• Internet
• In all but three cases, the Internet is increasing in importance as a distribution interface
• Inbound telephone
• Inbound telephone calls account for more than 20% of transactions in only six cases
• … with their decline in share being most acute for motor, household and travel insurance
• Outbound telephone
• Outbound telesales programs account for a share of transactions below 5% in 12 cases
• … although their effectiveness appears to be increasing for a majority of financial services
• Post
• The post is a frequently used distribution interface for Child Trust Funds
• … but seems to be losing share of transactions over a long-term time frame
• Specific distribution channels - 2007, 2005 and all previous years compared
• Direct sales
• The direct channel accounts for more than 70% of sales for three of the products reviewed
• … although appears to be declining in importance over time for a majority of financial services
• Advisers, brokers and intermediaries
• Office-based advisers, brokers and intermediaries
• Office-based brokers hold a high share in mortgages and mortgage payment protection ins
• … and appear to be strengthening their position as distributors in both these and other markets
• Web-based advisers, brokers and intermediaries
• Web-based advisers and brokers continue to experience rapidly rising rates of utilisation
• … which throws up a key sales and marketing issue for virtually all financial services firms
• Not-for-profit affinity groups
• Automotive clubs
• Automotive clubs can be used to distribute financial services linked to car ownership
• Charities
• Charities are active as intermediaries for a broad range of financial products and services
• … although their distribution channel share is small in all of these markets
• Educational institutions
• Educational institutions constitute an infrequently used channel for financial services
• Professional and trade associations
• Professional and trade associations record particularly high utilisation rates for dental insurance
• Trade unions
• The distribution channel share of trade unions exceeds 1.0% for eight financial products
• Financial partners
• Banks and building societies (acting as intermediaries)
• Banks and building societies hold a distribution share in excess of 10% in many cases
• …but may have to work hard to maintain their position in future for a number of products
• Credit card companies (acting as intermediaries)
• Credit card companies hold a distribution share above 1% for several financial services
• … although they may struggle to expand their share for higher value insurance policies
• Insurance companies (acting as intermediaries)
• Around one in five customers obtain road and home assistance cover on a packaged basis
• Commercial partners
• Automotive associations
• Automotive associations are effective distributors of several categories of financial service
• … although their market share appears to be under pressure in the key motor insurance market
• Car dealers and manufacturers
• The automotive trade holds a distribution share of around two thirds for core financial services
• … but is struggling to make an impact in the highly competitive motor insurance sector
• Catalogue and other retailers
• Catalogue and other retailers offer a viable niche channel for a variety of financial services
• Estate agents
• Estate agents are potential distributors of products linked to home purchase and ownership
• … although their distribution channel share for mortgages appears to be retreating over time
• Football and other sports clubs
• Few respondents admit to using football or other sports clubs to take out financial services
• Loyalty schemes
• Loyalty schemes achieve a distribution share in excess of 2.0% in 2007 for seven products
• Magazines, newspapers and other media entities
• Media affinities achieve the highest rates of utilisation in 2007 for accident and health insurance
• The Post Office
• The Post Office is emerging as an increasingly significant distributor in a number of areas
• … with its share in 2007 having fallen back relative to 2005 only in the case of travel insurance
• Supermarkets
• The influence of supermarkets as distributors of financial services is likely to have peaked
• … although their channel share remains in excess of 2% for 12 financial products and services
• Utilities (electricity, gas and water) companies
• The share of utilities companies in home emergency insurance is in the process of collapsing
• Sector-specific distribution channels
• Sector-specific channels dominate distribution for niche insurance and warranty products
• The position of the travel trade in the market for single trip travel policies continues to decline
• Worksite marketing
• The worksite
• In 2007, over 40% of sales of personal / stakeholder pensions occurred in the workplace
• … with this channel also holding a distribution share in excess of 5% for five other products

3.0 PRODUCT ANALYSIS

• Introduction
• Motor insurance
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Breakdown recovery insurance
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Extended warranties for cars
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Household insurance
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Home emergency insurance
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Travel insurance
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Pet insurance
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Mobile telephone insurance
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Extended warranties for electronic appliances
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007 and all previous buyers compared
• Distribution channels - 2007 and all previous buyers compared
• Overview
• Detailed analysis
• Life insurance
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Critical illness insurance
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Private medical insurance
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Dental insurance
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007 and all previous buyers compared
• Distribution channels - 2007 and all previous buyers compared
• Overview
• Detailed analysis
• Health / hospital cash plans
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Personal accident insurance
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Mortgages
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Mortgage payment protection insurance
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007 and all previous buyers compared
• Distribution channels - 2007 and all previous buyers compared
• Overview
• Detailed analysis
• Personal loans
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Loan payment protection insurance
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007 and all previous buyers compared
• Distribution channels - 2007 and all previous buyers compared
• Overview
• Detailed analysis
• Car finance contracts
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Credit cards
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Interest-bearing savings deposits
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007 and all previous buyers compared
• Distribution channels - 2007 and all previous buyers compared
• Overview
• Detailed analysis
• Cash ISAs
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Child Trust Funds
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis
• Personal / stakeholder pensions
• Switching rates and brand new sales - 2007
• Distribution interfaces - 2007, 2005 and all previous buyers compared
• Distribution channels - 2007, 2005 and all previous buyers compared
• Overview
• Detailed analysis

GRAPHICS / TABLES

• The financial services distribution channel universe - specific distribution channels and distribution interfaces
• Sample breakdown by age group, household income band and geographical location
• Overall customer % take-up rates for 25 financial products and services, 2007
• % of customers making brand new purchases for 25 financial products and services, 2007
• % of all respondents switching provider for 25 financial products and services, 2005 and 2007
• % of all respondents switching provider for 25 financial products and services, 2005 and 2007 (data)
• % of current customers switching provider for 25 financial products and services, 2005 and 2007
• % of current customers switching provider for 25 financial products and services, 2005 and 2007 (data)
• % acquring through the face-to-face distribution interface - 2007, 2005 and all previous years compared (data)
• % acquring through the Internet distribution interface - 2007, 2005 and all previous years compared (data)
• % acquring through the inbound telephone distribution interface - 2007, 2005 and all prev. years comp. (data)
• % acquring through the outbound telephone distribution interface - 2007, 2005 and all prev. years comp. (data)
• % acquring through the postal distribution interface - 2007, 2005 and all previous years compared (data)
• % acquring through direct contact with the ultimate provider - 2007, 2005 and all previous years comp. (data)
• % acquring through office-based advisers, brokers or ints. - 2007, 2005 and all prev. years comp. (data)
• % acquring through web-based advisers, brokers or ints. - 2007, 2005 and all prev. years comp. (data)
• % acquring through automotive clubs - 2007, 2005 and all previous years compared (data)
• % acquring through charities - 2007, 2005 and all previous years compared (data)
• % acquring through educational institutions - 2007, 2005 and all previous years compared (data)
• % acquring through professional or trade associations - 2007, 2005 and all previous years compared (data)
• % acquring through trade unions - 2007, 2005 and all previous years compared (data)
• % acquring through banks or building societies (acting as intermediaries) - 2007, 2005 and all prev. years (data)
• % acquring through credit card companies (acting as ints.) - 2007, 2005 and all prev. years comp. (data)
• % acquring through insurance companies (acting as ints.) - 2007, 2005 and all prev. years comp. (data)
• % acquring through automotive associations (acting as intermediaries) - 2007, 2005 and all prev. years (data)
• % acquring through car dealers and manufacturers - 2007, 2005 and all previous years compared (data)
• % acquring through catalogue and other retailers - 2007, 2005 and all previous years compared (data)
• % acquring through estate agents - 2007, 2005 and all previous years compared (data)
• % acquring through football and other sports clubs - 2007, 2005 and all previous years compared (data)
• % acquring through loyalty schemes - 2007, 2005 and all previous years compared (data)
• % acquring through magazines, newspapers and other media entities - 2007, 2005 and all prev. years (data)
• % acquring through the Post Office - 2007, 2005 and all previous years compared (data)
• % acquring through supermarkets - 2007, 2005 and all previous years compared (data)
• % acquring through utilities (electricity, gas and water) companies - 2007, 2005 and all prev. years comp. (data)
• % acquring through sector-specific distribution channels - 2007, 2005 and all previous years compared (data)
• % acquring through the worksite - 2007, 2005 and all previous years compared (data)
• % of consumers switching provider or acquiring motor insurance for the first time, 2007
• Analysis of distribution interfaces used for acquiring motor insurance, 2007, 2005 and all previous years
• Analysis of distribution interfaces used for acquiring motor insurance, 2007, 2005 and all previous years (data)
• Overview of distribution channels used for acquiring motor insurance, 2007, 2005 and all previous years
• Overview of distribution channels used for acquiring motor insurance, 2007, 2005 and all previous years (data)
• Detailed analysis of distribution channels used for acq. motor insurance, 2007, 2005 and all prev. years (data)
• % of consumers switching provider or acquiring breakdown recovery insurance for the first time, 2007
• Analysis of distribution interfaces used for acquiring breakdown recovery ins., 2007, 2005 and all previous years
• Analysis of distr. interfaces used for acquiring breakdown recovery ins., 2007, 2005 and all previous years (data)
• Overview of distribution channels used for acq. breakdown recovery ins., 2007, 2005 and all previous years
• Overview of dist. channels used for acq. breakdown recovery ins., 2007, 2005 and all previous years (data)
• Detailed analysis of dist. channels used for acq. breakdown recovery ins., 2007, 2005 and all prev. years (data)
• % of consumers switching provider or acquiring extended warranties for the first time, 2007
• Analysis of distribution interfaces used for acquiring extended warranties, 2007, 2005 and all previous years
• Analysis of distr. interfaces used for acquiring extended warranties, 2007, 2005 and all previous years (data)
• Overview of distribution channels used for acquiring extended warranties, 2007, 2005 and all previous years
• Overview of dist. channels used for acquiring extended warranties, 2007, 2005 and all previous years (data)
• Detailed analysis of dist. channels used for acq. extended warranties, 2007, 2005 and all prev. years (data)
• % of consumers switching provider or acquiring household insurance for the first time, 2007
• Analysis of distribution interfaces used for acquiring household insurance, 2007, 2005 and all previous years
• Analysis of dist. interfaces used for acquiring household insurance, 2007, 2005 and all previous years (data)
• Overview of distribution channels used for acquiring household insurance, 2007, 2005 and all previous years
• Overview of dist. channels used for acquiring household insurance, 2007, 2005 and all previous years (data)
• Detailed analysis of dist. channels used for acq. household insurance, 2007, 2005 and all prev. years (data)
• % of consumers switching provider or acquiring home emergency insurance for the first time, 2007
• Analysis of dist. interfaces used for acquiring home emergency insurance, 2007, 2005 and all previous years
• Analysis of dist. interfaces used for acquiring home emergency ins., 2007, 2005 and all previous years (data)
• Overview of dist. channels used for acquiring home emergency insurance, 2007, 2005 and all previous years
• Overview of dist. channels used for acquiring home emergency ins., 2007, 2005 and all previous years (data)
• Detailed analysis of dist. channels used for acq. home emergency ins., 2007, 2005 and all prev. years (data)
• % of consumers switching provider or acquiring travel insurance for the first time, 2007
• Analysis of distribution interfaces used for acquiring travel insurance, 2007, 2005 and all previous years
• Analysis of distribution interfaces used for acquiring travel insurance, 2007, 2005 and all previous years (data)
• Overview of distribution channels used for acquiring travel insurance, 2007, 2005 and all previous years
• Overview of distribution channels used for acquiring travel insurance, 2007, 2005 and all previous years (data)
• Detailed analysis of dist. channels used for acquiring travel insurance, 2007, 2005 and all previous years (data)
• % of consumers switching provider or acquiring pet insurance for the first time, 2007
• Analysis of distribution interfaces used for acquiring pet insurance, 2007, 2005 and all previous years
• Analysis of dist. interfaces used for acquiring pet insurance, 2007, 2005 and all previous years (data)
• Overview of distribution channels used for acquiring pet insurance, 2007, 2005 and all previous years
• Overview of dist. channels used for acquiring pet insurance, 2007, 2005 and all previous years (data)
• Detailed analysis of dist. channels used for acquiring pet insurance, 2007, 2005 and all prev. years (data)
• % of consumers switching provider or acquiring mobile telephone insurance for the first time, 2007
• Analysis of dist. interfaces used for acquiring mobile telephone insurance, 2007, 2005 and all previous years
• Analysis of dist. interfaces used for acquiring mobile telephone ins., 2007, 2005 and all previous years (data)
• Overview of dist. channels used for acquiring mobile telephone insurance, 2007, 2005 and all previous years
• Overview of dist. channels used for acquiring mobile telephone ins., 2007, 2005 and all previous years (data)
• Detailed analysis of dist. channels used for acq. mobile telephone ins., 2007, 2005 and all prev. years (data)
• % of consumers switching provider or acquiring extended warranties for the first time, 2007
• Analysis of dist. interfaces used for acquiring extended warranties, 2007 and all previous years
• Analysis of dist. interfaces used for acquiring extended warranties, 2007 and all previous years (data)
• Overview of dist. channels used for acquiring extended warranties, 2007 and all previous years
• Overview of dist. channels used for acquiring extended warranties, 2007 and all previous years (data)
• Detailed analysis of dist. channels used for acquiring extended warranties, 2007 and all prev. years (data)
• % of consumers switching provider or acquiring life insurance for the first time, 2007
• Analysis of distribution interfaces used for acquiring life insurance, 2007, 2005 and all previous years
• Analysis of distribution interfaces used for acquiring life insurance, 2007, 2005 and all previous years (data)
• Overview of distribution channels used for acquiring life insurance, 2007, 2005 and all previous years
• Overview of distribution channels used for acquiring life insurance, 2007, 2005 and all previous years (data)
• Detailed analysis of distribution channels used for acquiring life insurance, 2007, 2005 and all prev. years (data)
• % of consumers switching provider or acquiring critical illness insurance for the first time, 2007
• Analysis of distribution interfaces used for acquiring critical illness insurance, 2007, 2005 and all previous years
• Analysis of distribution interfaces used for acquiring critical illness ins., 2007, 2005 and all previous years (data)
• Overview of distribution channels used for acquiring critical illness insurance, 2007, 2005 and all previous years
• Overview of distribution channels used for acquiring critical illness ins., 2007, 2005 and all previous years (data)
• Detailed analysis of dist. channels used for acquiring critical illness ins., 2007, 2005 and all prev. years (data)
• % of consumers switching provider or acquiring private medical insurance for the first time, 2007
• Analysis of dist. interfaces used for acquiring private medical insurance, 2007, 2005 and all previous years
• Analysis of dist. interfaces used for acq. private medical insurance, 2007, 2005 and all previous years (data)
• Overview of dist. channels used for acquiring private medical insurance, 2007, 2005 and all previous years
• Overview of dist. channels used for acquiring private medical insurance, 2007, 2005 and all prev. years (data)
• Detailed analysis of dist. channels used for acq. private medical ins., 2007, 2005 and all prev. years (data)
• % of consumers switching provider or acquiring dental insurance for the first time, 2007
• Analysis of distribution interfaces used for acquiring dental insurance, 2007 and all previous years
• Analysis of distribution interfaces used for acquiring dental insurance, 2007 and all previous years (data)
• Overview of distribution channels used for acquiring dental insurance, 2007 and all previous years
• Overview of distribution channels used for acquiring dental insurance, 2007 and all prev. years (data)
• Detailed analysis of distribution channels used for acq. dental insurance, 2007 and all previous years (data)
• % of consumers switching provider or acquiring a health or hospital cash plan for the first time, 2007
• Analysis of distr. interfaces used for acquiring health or hospital cash plans, 2007, 2005 and all previous years
• Analysis of distr. ints. used for acquiring health or hospital cash plans, 2007, 2005 and all previous years (data)
• Overview of distr. channels used for acquring health or hospital cash plans, 2007, 2005 and all previous years
• Overview of distr. chan. used for acquring health or hospital cash plans, 2007, 2005 and all prev. years (data)
• Detailed analysis of dist. chan. used for acq. health or hospital cash plans, 2007, 2005 and all prev. years (data)
• % of consumers switching provider or acquiring personal accident insurance for the first time, 2007
• Analysis of dist. interfaces used for acquiring personal accident insurance, 2007, 2005 and all previous years
• Analysis of dist. interfaces used for acquiring personal accident ins., 2007, 2005 and all previous years (data)
• Overview of dist. channels used for acquiring personal accident insurance, 2007, 2005 and all previous years
• Overview of dist. channels used for acq. personal accident insurance, 2007, 2005 and all prev. years (data)
• Detailed analysis of dist. channels used for acq. personal accident ins., 2007, 2005 and all prev. years (data)
• % of consumers switching provider or acquiring mortgages insurance for the first time, 2007
• Analysis of distribution interfaces used for acquiring mortgages, 2007, 2005 and all previous years
• Analysis of distribution interfaces used for acquiring mortgages, 2007, 2005 and all previous years (data)
• Overview of distribution channels used for acquiring mortgages, 2007, 2005 and all previous years
• Overview of distribution channels used for acquiring mortgages, 2007, 2005 and all prev. years (data)
• Detailed analysis of distribution channels used for acq. mortgages, 2007, 2005 and all previous years (data)
• % of consumers switching provider or acquiring mortgage PPI insurance for the first time, 2007
• Analysis of distribution interfaces used for acquiring mortgage PPI, 2007 and all previous years
• Analysis of distribution interfaces used for acquiring mortgage PPI, 2007 and all previous years (data)
• Overview of distribution channels used for acquiring mortgage PPI, 2007 and all previous years
• Overview of distribution channels used for acquiring mortgage PPI, 2007 and all previous years (data)
• Detailed analysis of distribution channels used for acquiring mortgage PPI, 2007 and all prev. years (data)
• % of consumers switching provider or acquiring personal loans insurance for the first time, 2007
• Analysis of distribution interfaces used for acquiring personal loans, 2007, 2005 and all previous years
• Analysis of distribution interfaces used for acquiring personal loans, 2007, 2005 and all previous years (data)
• Overview of distribution channels used for acquiring personal loans, 2007, 2005 and all previous years
• Overview of distribution channels used for acquiring personal loans, 2007, 2005 and all prev. years (data)
• Detailed analysis of dist. channels used for acquiring personal loans, 2007, 2005 and all previous years (data)
• % of consumers switching provider or acquiring loan PPI insurance for the first time, 2007
• Analysis of distribution interfaces used for acquiring loan PPI, 2007 and all previous years
• Analysis of distribution interfaces used for acquiring loan PPI, 2007 and all previous years (data)
• Overview of distribution channels used for acquiring loan PPI, 2007 and all previous years
• Overview of distribution channels used for acquiring loan PPI, 2007 and all previous years (data)
• Detailed analysis of distribution channels used for acquiring loan PPI, 2007 and all previous years (data)
• % of consumers switching provider or acquiring car finance contracts insurance for the first time, 2007
• Analysis of distribution interfaces used for acquiring car finance contracts, 2007, 2005 and all previous years
• Analysis of distr. interfaces used for acquiring car finance contracts, 2007, 2005 and all previous years (data)
• Overview of distribution channels used for acquiring car finance contracts, 2007, 2005 and all previous years
• Overview of distribution channels used for acq. car finance contracts, 2007, 2005 and all prev. years (data)
• Detailed analysis of dist. channels used for acq. car finance contracts, 2007, 2005 and all previous years (data)
• % of consumers switching provider or acquiring credit cards for the first time, 2007
• Analysis of distribution interfaces used for acquiring credit cards, 2007, 2005 and all previous years
• Analysis of distribution interfaces used for acquiring credit cards, 2007, 2005 and all previous years (data)
• Overview of distributionchannels used for acquring credit cards, 2007, 2005 and all previous years
• Overview of distribution channels used for acquring credit cards, 2007, 2005 and all previous years (data)
• Detailed analysis of dist. channels used for acquiring credit cards, 2007, 2005 and all previous years (data)
• % of consumers switching provider or acquiring interest-bearing savings deposits for the first time, 2007
• Analysis of distribution interfaces used for acquiring i-b. savings deposits, 2007 and all previous years
• Analysis of distribution interfaces used for acquiring i-b. savings deposits, 2007 and all previous years (data)
• Overview of distribution channels used for acquiring i-b. savings deposits, 2007 and all previous years
• Overview of distribution channels used for acquiring i-b. savings deposits, 2007 and all previous years (data)
• Detailed analysis of dist. channels used for acquiring i-b. savings deposits, 2007 and all previous years (data)
• % of consumers switching provider or acquiring cash ISAs for the first time, 2007
• Analysis of distribution interfaces used for acquiring cash ISAs, 2007, 2005 and all previous years
• Analysis of distribution interfaces used for acquiring cash ISAs, 2007, 2005 and all previous years (data)
• Overview of distribution channels used for acquiring cash ISAs, 2007, 2005 and all previous years
• Overview of distribution channels used for acquiring cash ISAs, 2007, 2005 and all previous years (data)
• Detailed analysis of distribution channels used for acq. cash ISAs, 2007, 2005 and all previous years (data)
• % of consumers switching provider or acquiring Child Trust Funds for the first time, 2007
• Analysis of distribution interfaces used for acquiring Child Trust Funds, 2007, 2005 and all previous years
• Analysis of distribution interfaces used for acq. Child Trust Funds, 2007, 2005 and all previous years (data)
• Overview of distribution channels used for acquiring Child Trust Funds, 2007, 2005 and all previous years
• Overview of distribution channels used for acq. Child Trust Funds, 2007, 2005 and all previous years (data)
• Detailed analysis of dist. channels used for acq. Child Trust Funds, 2007, 2005 and all previous years (data)
• % of consumers switching provider or acquiring personal / stakeholder pensions for the first time, 2007
• Analysis of distribution interfaces used for acquiring pers. / stake. pens., 2007, 2005 and all previous years
• Analysis of distribution interfaces used for acq. pers. / stake. pens., 2007, 2005 and all previous years (data)
• Overview of distribution channels used for acquiring pers. / stake. pens., 2007, 2005 and all previous years
• Overview of dist. channels used for acquiring pers. / stake. pens., 2007, 2005 and all previous years (data)
• Detailed analysis of dist. channels used for acquiring pers. / stake. pens., 2007, 2005 and all prev. years (data)