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Fee-Based Banking - People Attitude and Market Insight of Fee and Commission-Based Income and Future Outlook

Researchmoz announces new market research report on " Fee-based Banking Market insight: Global Industry Analysis, Shares, Size, Growth, Trends and Forecast " to its huge database.


Albany, NY -- (SBWIRE) -- 12/19/2014 -- The reliance of banks on fees and commissions increased following the latest financial crisis in both developed and emerging economies. Due to a weak demand for borrowing and low interest rates, banks have increased their focus on non-interest revenue. The proportion of fees and commission income in the total banking revenue however, varies according to country. The rising or decreasing proportion of fee income reflects the difference in consumers' preferences in different countries, the inherited pricing structure imposed by the banks and the country's economic cycle.

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-This report covers trends in bank revenue in key markets since the subprime crisis.

-It covers country- and bank-level information on banks' interest and non-interest income.

-It captures trends, challenges and drivers behind the dynamics of fee-based income for banks.

-It covers key components of fee-based revenue, including transaction banking, overdrafts, cards and payments and fee income generated from current/checking accounts.

Traditionally banks have generated their fees and commissions from overdrafts, unarranged overdraft fees, annual fees on accounts and cards, automatic teller machine (ATM) fees, interchange fees, loan processing, cross-border transactions, trade and capital market services and wealth and trust management services.

However, changing regulatory dynamics and the competitive landscape have forced banks to realign their product portfolio and pricing strategies to generate more fee-based income over the next five years. Banks have begun to increasingly focus on launching new products and services that provide alternative sources of fee income. This includes mobile payment solutions that allow convenient person-to-person (P2P) payments, international remittances and expedited payment services.

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