I2CREDIT Nº 62
Opportunities for Card Issuers Evident in Hispanic Market, Study Says
The Hispanic market, the largest minority market in the country, represents a major market opportunity for financial institutions, including card issuers, according to Synergistics Research Corp.’s recently released Hispanic Market Monitor 2004 report.
Por: Publicado en: CreditandCollectionsWorld.com
Two-thirds of the participants in the national, bi-lingual survey conducted late last year report using some type of card: 63% say they have a VISA, MasterCard, American Express, or Discover card; 31% have a department store card; and 7% have an oil or gas card. More than half are revolvers. For this market, McCracken says, low rates are more important than rewards or affinity compared to the general market overall.
The number one reason for not having a credit card, cited by 50% of survey respondents, was a reluctance to owe. Issuers need to use specific strategies to communicate with this segment, McCracken said: for example, letting them know they can request lower limits or use the card as a resource in case of an emergency. On the flip side, the second most common reason given is that Hispanics prefer to use cash or checks.
High rates, a concern in the general population, was the third most common reason cited for not having a credit card, but the fourth and fifth highest-ranked concerns are specific to this market. The issue of documentation was the reason cited by 22%. To address this concern, McCracken said, many banks now accept matricular cards issued by the Mexican government, but they also need to communicate that bank-owned data is not forwarded to government agencies such as the INS.
In addition, 20% indicated that they don't think they qualify for a credit card. Many have no credit history, McCracken pointed out, but a secured credit card could be used as an introductory product to allow them to establish a credit history. Only one-fourth of survey respondents had a secured card, but 40% of those who did not have one expressed interest. With such a low penetration, he points out, the industry could leverage this situation by introducing the secured card concept and over time rolling out standard products to those who qualify. The full report on the Hispanic market, including utilization of a full range of financial products, is available from Synergistics for $14,500.
Ultimas Notas
I2CREDIT Nº 62
Las subas de las tasas rondan entre 200 y 400 puntos básicos
Efecto dominó: ahora las tarjetas suben las tasas de las compras en cuotas
Se trata de un ajuste generalizado del sector de tarjetas de crédito. Todos los planes sufrieron un incremento de entre el 2% y 4%. De esta manera, en los comercios se pueden encontrar con tasas de hasta el 40% anual en planes de hasta 24 cuotas. En el mercado no se descartan nuevas subas si el contexto político no mejora y prevén, además, que en el mediano plazo la economía sentirá las consecuencias de estos aumentos y habrá una retracción en el consumo
Por: Dolores Ayerra, Cronista Comercial
Wall Street y los monos
Les traigo en esta oportunidad un cuento anónimo que describe en buena medida el funcionamiento de los mercados financieros. Se trata en el fondo de una metáfora que nos permitirá reflexionar sobre nuestras acciones y evitar ser mero objeto de estrategias ajenas.
Por: Claudio Zuchovicki, Invertia
Consejos para casos de reclamos
Lo mas deseable sería que las siguientes palabras no debiéramos de ponerlas en práctica nunca, pero igual es bueno recordar y conocer que es lo que debemos hacer en caso de que necesitáramos realizar un reclamo en contra de un banco.
Por: Fuente: Terra México
Condusef: Permiten burós de crédito acceso al financiamiento
MEXICO, Junio. 23.- Las Sociedades de Información Crediticia (SIC), mejor conocidas como burós de crédito, son consideradas por los mexicanos como departamentos de cobranza o listas negras y no como el proceso para ampliar el acceso a diversas formas de financiamiento.
Por: Fuente: Grupo Reforma
A la debacle de las hipotecas ahora le dicen “Crisis Ninja”
La rebautizaron así por las siglas de “no income, no job, no assets”.
Hizo falta que un jubilado español de 75 años se decidiera a explicar la globalizada crisis subprime para que el mundo más global de todos, Internet, estallara en una fiebre sin igual de alabanzas, consultas e invitaciones a su autor. Gracias a un informe pormenorizado “contado como para chicos” de cómo se gestó la ola subprime, hoy, en Europa, no hay quien se resista a hablar de “la crisis Ninja”. Y parece que el fenómeno seguirá por un buen tiempo.
Por: Julián Guarino, Buenos Aires
Hispanics Fuel Offshore Growth
Census 2000 figures report that Hispanics total about 35 million and projections forecast that they will soon be the largest minority group in the United States. Firms in almost every consumer industry are targeting marketing toward Hispanics. They must be ready to handle Spanish language calls and letters, while understanding the characteristics of this growing population in the U.S. market.
Por: Publicado en: CreditandCollectionsWorld.com
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