Bharat Book Bureau

Choices in Cord Blood Banking Factors Influencing Parental Decision Making

Cord blood banking is increasingly being used to improve and save lives. Stem cells derived from umbilical blood have been used in more than 14,000 transplants worldwide to treat a wide range of blood diseases, genetic and metabolic disorders, immunodeficiencies and various forms of cancer. However, many expectant parents still do not fully understand the significance of cord blood storage. A study published in the Journal of Reproductive Medicine shows that a third of expectant parents are unaware of the option to preserve cord blood. Of the two-thirds who have some knowledge, 74% describe themselves as ¡§minimally informed.¨

Part 1 of this market report used proprietary data-derivation techniques to analyze conditions of the cord blood banking industry. Part 2 of this report used an end-user survey of expectant parents to identify and analyze the factors involved in the decision to privately store, publicly donate, or discard cord blood at birth. More than 1,200 expectation parents throughout the U.S., as well as Canada, Mexico, Europe, Asia, South/Central America, Australia and other regions answered the detailed survey between November 2008 and January 2009.
The report includes:

Sources through which expectant parents learn of cord blood banking
Rates of parental awareness of cord blood banking by gender, household income, geographic location, education, birth order, and other critical factors
Reasons parents cite as driving the decision to store cord blood
Factors influencing the decision for private vs. public storage of cord blood
Price sensitivity and quality expectations
Comparative analysis of quality variables among cord blood banks and parent perceptions of them
Parental responsiveness to health statistics
Differences in perspective based on global region, as well as differences due to location (city vs. suburban vs. rural)
Critical trends in cord blood banking and the factors influencing them
Competitive analysis of the Cord Blood Banking Industry, including:

U.S. Public Cord Blood Banks
U.S. Private Cord Blood Banks
International Public Cord Blood Banks
International Private Cord Blood Banks
Population Profiling: Characteristics of those highly/moderately/least likely to purchase cord blood banking services

Methods to effectively communicate with your target audience: Expectant Parents
And much more…

Table of Contents:

PART 1: CORD BLOOD BANKING, INDUSTRY OVERVIEW
I. Abstract
II. Cord Blood Stem Cells

A. Fetal Cord Blood Characteristics

B. Existing Treatments

C. Future Applications

III. Cord Blood Banking Industry

A. History

B. Private vs. Public Cord Blood Banks

1. U.S. Public Banks

a. Overview

b. Number of Public Banks

c. Geographic  Distribution

2. U.S. Private Banks

a. Overview

b. Number of U.S. Private Banks

c. Geographic  Distribution

3. Free Programs for U.S. Families with Medical Need

4. International Banks

a. Overview

b. Number Private Cord Blood Banks by International Region

IV. Market Characterization

A. List of U.S.  Private Cord Blood Banks

B. List of U.S. Public Cord Blood Banks

C. U.S. Mail-In Donation Cord Blood Banks

D. Breakdown of Canadian Cord Blood Banks – Public vs. Private / AABB Accredited vs. Non-Accredited

E. International Cord Blood Banks

1. Mexican Cord Blood Banks

a. Private Banks

b. Public Banking System

2. South/Central American Cord Blood Banks

a. Private Banks

b. Public Banking System

3. United Kingdom Cord Blood Banks

a. Private Banks

b. Public Banking System

4. European Cord Blood Banks

a. Private Banks

b. Public Banking System

5. Middle Eastern Cord Blood Banks

a. Private Banks

b. Public Banking System

6. Indian Cord Blood Banks

a. Private Banks

b. Public Banking System

7. Asian Cord Blood Banks

a. Private Banks

b. Public Banking System

8. Australian / New Zealand Cord Blood Banks

a. Private Australian and New Zealand Cord Blood Banks

b. Public Cord Blood Banks by Australian State

i. New South Wales

ii. Victoria

iii. Queensland

iv. Western Austalia, South Australia, & Tasmania

9. African Cord Blood Banks

a. Private Banks

b. Public Banking System

F. List of International Public Cord Blood Banks (Alphabetical by Country)

G. Worldwide List of AABB Accredited Cord Blood Facilities

V. United States Cord Blood Banking Legislation

A. U.S. State

B. U.S. Federal

1. Institute of Medicine Recommendations Study

a. Overview

b. Key Recommendations

c. IOM Study Shapes National Public Health Policy

2. Presidential Executive Order Expanding Approved Stem Cell Lines in Ethically Responsible Ways

a. Background

b. The Order

3. The Stem Cell Therapeutic and Research Act of 2005

a. Background

b. Current Status of the Act

VI. International Analysis – Trends, Policies and Industry Conditions (by Country)

A. NORTH & SOUTH  AMERICA

1. Canada

2. Mexico

3. United States

4. Brazil

5. Chile

6. Colombia

B. ASIA

1. China

2. Japan

3. Korea

4. Malaysia

5. Taiwan

6. Singapore

7. Thailand

C. INDIA

D. AUSTRALIA & NEW ZEALAND

E. EUROPE

1. European Union

a. Policy Overview

b. NETCORD Foundation

2. France

3. Germany & Austria

4. Italy

5. Netherlands

6. Spain

7. Poland

8. Russian Federation

9. United Kingdom

VII. Cost Analysis: Cord Blood Banking

A. Reasons for Variation in Cord Blood Pricing

1. Companies have Flexibility in the Pricing that they Set

2. Companies have Variables in the Services that they Offer

3. Variable Fee Breakdowns

B. Range of Pricing for U.S. Cord Blood Companies (1-100th percentiles)

1. U.S. Cord Blood Banking Price Range (1-100th%)

2. Lowest U.S. Pricing

3. Highest U.S. Pricing

4. Average U.S. Cord Blood Costs (25-75th percentiles)

5. Median Cost of U.S. Storage (50% percentile)

C. Range of Pricing for Canadian Cord Blood Companies (1-100th percentiles)

1. Canadian Cord Blood Banking Price Range (1-100th%)

2. Lowest Canadian Pricing

3. Highest Canadian. Pricing

4. Average Canadian. Cord Blood Costs (25-75th percentiles)

5. Median Cost of Canadian Storage (50% percentile)

VIII. Comparative Analysis of Quality Variables

A. Technical Variables

1. Vapor-Phase Storage vs. Liquid-Phase Storage

2. Cryo-bags vs. Cryo-vials

3. Pentastarch vs. Hetastarch

4. Computer Controlled vs. Manual Rate Freezing

5. Whole Sample vs. Volume Reduction

6. High-Control vs. Low-Control Aseptic Processing

B. Corporate Variables

1. Corporate Stability

2. Scientific Expertise

PART 2: EXPECTANT PARENTS, SURVEY RESULTS & FINDINGS

I. Survey Overview

A. Survey Population

B. Characterization of Market Survey Respondents

1. Geographic Distribution of Market Survey Respondents

2. Household Income Distribution of Survey Respondents

a. All Respondents

b. U.S. Respondents

3. Respondent Breakdown by Race

4. Respondent Breakdown by Gender

5. Respondent Breakdown by Level of Education

6. Respondent Breakdown by Location (City vs. Suburban vs. Rural)

7. Regional Breakdown of U.S. Respondents

8. Demographic Conclusions

II. Rates of Awareness: Unaware / Minimally Informed / Moderately Informed / Knowledgeable

A. Overall

B. By Gender

C. By Household Income

1. All Respondents

2. U.S. Respondents

D. By Education

E. By Race

F. By Geographic Location

1. Region within U.S.

2. Location (City vs. Suburban vs. Rural)

G. By Number of Existing Children within Family (e.g. Birth Order)

III. Factors Influencing Awareness

A. Personal Exposure: Relative Impact of Family, Co-Workers, Peers

B. Informational Sources: Information Sites, Books Medical Pamphlets, Government Sources

C. Medical Exposure: General Doctors, Ob / Gyn, Midwifes, Nurse, Other

D. Promotional Sources:  Internet Advertisements, Print Advertisements, Radio, TV, Other

IV. Factors Influencing Parental Decision-Making

A. Factors Influencing the Decision Not to Store Cord Blood

1.  Knowledge Level

2.  Price Sensitivity

3.  Safety Concerns

4.  Lack of Access

5.  Misconceptions

B. Factors Influencing the Decision for Private vs. Public Storage of Cord Blood

1. Ethical Beliefs

2. Gender

3. Total Household Income

4. Level of Education (Highest Level Achieved by at Least One Parent)

5. Race

6. Geographic Location

a. Region within U.S.

b. City vs. Suburban vs. Rural

7.  Access to Reliable Healthcare

8.  Number of Existing Children within Family (Birth Order)

9.  Source of Knowledge

10. Perceived Support of Medical Staff

11. Family Medical History

C. International Analysis of Cord Blood Banking Perceptions (Region-by-Region)

V. Parental Responsiveness to Health Statistics

A.  Overview

B.  Health Statistics

C.  Health Statistic Conclusions

VI. Parental Expectations

A. Quality of Services

B. Willingness to Educate/Inform

C. Reputability of Organization

VII. Trends

A. Rates of Cord Blood Storage (units per year)

B. Rates of Parental Awareness

C. Cord Blood Research Publication Rates

D. Cord Blood Research Funding Levels

E. Cord Blood Patent Breakdown

F.  Rates of Cord Blood Research Product Development

VIII. Informative Websites: Online Sources Utilized by Expectant Parents

A. Overview of Websites

1. Information Only

2. Commercial Affiliation

B. Dominant Regional Websites (International Analysis)

C. Most Important Criteria Used to Identify Sites to Inform Decision-Making

D. Underlying Reasons for Visiting Online Resources

IX. Conclusions

A. Traits of a “Model Customer”

1. “Model Customer” for a Private Cord Blood Bank

2. “Model Customer” for a Public Cord Blood Bank

B. Ideal Price Range

C. Approaches for Communicating with Expectant Parents

For more information kindly visit
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The economic gravity is shifting towards Asia. The world’s two fastest growing economies China and India are experiencing a growth rate of 8% and above. While China is a major manufacturing hub on one side, India on the other hand has carved a niche in the services sector. However, the most striking factor is that the growth is not just restricted to India and china alone. The rest of Asia is also growing strongly. Vietnam, Hong Kong, Singapore, Japan and Australia are major Asian dragons with a booming economy and a fast paced growth.

In addition, the savings and investments rate in Asia is quite high in comparison to the other emerging economies of the world. The developing economies of Asia particularly East Asia are growing at a very fast pace and this has lead to increase in the income levels of the middle class families.

The report forecasts the IT spending of the BFSI industry in APAC over the period 2007-2010. It is meant for IT vendors and intends to help them identify selling opportunities in the BFSI industry in APAC. The report identifies key business issues being faced by the BFSI industry in APAC.

Further, the identified sales drivers can be used to penetrate these accounts or increase current share of the customer’’s wallet. Also, the report lists leading IT buyers and provides their brief company profile, along with their IT spending.

TechNavio Insights is a set of reports based on TechNavio – a market intelligence platform for the IT industry. It builds on the intelligence available within TechNavio, and leverages on the custom research experience of the ”Technology Navigators”. TechNavio is built on years of experience of Infiniti Research in deep dive custom research and consulting for over 30 Fortune 500 companies and numerous large and mid-sized companies.

Table of Contents:

1.0 BFSI Industry in APAC
1.1 Market Size and Forecast
1.2 Market Trends
2.0 Growth Drivers & Restraints
2.1 Growth Drivers
2.2 Growth Restraints
3.0 IT Spending – BFSI Industry in APAC
3.1 IT Spending & Forecast
3.2 IT Sales Drivers
4.0 Regulations Affecting IT Spending
Other Reports in This Series

List of Exhibits
Exhibit 1: Banking & Financial Services Industry in North America Market Size & Forecast 2007-2013 (in trillion USD)
Exhibit 2: Insurance Industry in North America Market Size & Forecast 2007-2013 (In trillion USD)
Exhibit 3: Banking & Financial Services - IT Spending & Forecast 2007-2013 (In billion USD)
Exhibit 4: Insurance Services - IT Spending & Forecast 2007-2013 (In billion USD)

For more please visit
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Mobile Money Transfer Report Profiting from cross-border remittance and global banking

Despite the impact of the 2008-2009 global downturn, remittances as a source of liquidity will likely prove to be resilient, and could potentially play a role in restoring or increasing prosperity across regions. Whereas the sharp contraction of credit in the global banking sector has directly and instantaneously ravaged FDI alongside private debt and equity flows, remittances to the developing world are slowing down more gradually and indirectly as a result of declining personal consumption, lay-offs, and lower salaries impacting the real economy. This adds the resilience of remittances, where migrant workers will continue sending money to relatives in their countries of origin during uncertain economic times, albeit at less regular intervals and/or in smaller amounts.

Despite a net reduction in new migration through 2009 due to tightening immigration controls as a protectionist political reactions in some countries, the number of migrants accumulated in previous years represents a significant proven source of remittances, the value of which will nevertheless be vulnerable to disruptive factors such as exchange rate volatility.

This report, Mobile Money Transfer 2009, looks at the strong fundamentals behind the remittance market and how it will generate growth from the end of 2009 and forward beyond 2014. The report will explore how the mobile value chain and financial sector can tap into money transfer as an attractive new revenue stream, given the strength and ubiquity of mobile as a convenient, secure and low cost channel for financial.

Mobile Money Transfer is positioned to exercise considerable transformational effect on developing economies, a crucial factor for wider world economic growth. Mobile Money also enables financial services and money transfers - often initiated by urban and international immigrants - to reach poor people in rural areas. Mobile remittance services will form the first commercially viable and sustainable opportunity to reach the unbanked with low cost, no-frills financial services.

The huge potential for mobile money transfer can be seen from the sheer volume of cross-border remittances typically sent through existing channels such as banks and money transfer agencies. Measured flows have grown exponentially over the last decade - by 130 percent since 2001, with an estimated US$248billion sent primarily from industrialised countries to the world’s emerging markets in 2007. Although remittance flows are currently experiencing short-term decline, existing services and pilot projects in Kenya and the Philippines have shown operators a feasible route towards gaining a share of those large remittance flows expected by and new mobile remittance services are expected by 2011 at the latest. Operators and banks in the Middle East, Europe, Asia and Africa are in the process of deploying services primed to encourage and exploit potential growth.

Major operators with international and inter-regional footprints such as Vodafone and Orascom Telecom have announced their intention to deploy mobile remittance, which they hope will act as a catalyst for the wider adoption of mWallet-enabled transaction services. Most importantly, mobile remittance presents a way for these inter-regional players to further maximise revenue potential through a greater proportion of their respective footprints, leveraging their assets in Europe and the Middle East in synergy with those in South Asia, Africa and the Asia Pacific.

This brand new 80+ page report analysis all of the exciting opportunities that will be available to increase your revenues from this potential arena.

Reading this exclusive management report will tell you the following:
• What different forms of mobile remittance are available and expected to appear in the future?
• Why is mobile potentially so important to banking and financial services, as well as economic development?
• When will mobile remittance become a truly global mass market proposition?
• How successful can these service propositions become?

Find out the answers to these and many other questions by buying this vital industry insight.

Mobile money transfer and m-payments have great potential due to the relationship between a mobile subscriber and their handset, where the mobile device is often with the end-user for most of their waking time. With mobile penetration reaching 100 per cent in many developed markets, the mobile phone will soon be in virtually everyone’s pocket. Payments and banking are currently major areas of growth in the mobile world and these are set to become even more specialised than they are at the moment. Do you understand this market? Do you know how it will develop? Is this an issue that you need to act on and find out about now?

Table of Contents:

Executive Summary
E1. Mobile Remittance and m-transaction - Unexpected Adoption and Benefits for Developing Economies
E2. The short term impact of the global economic downturn
E3. Remittances to support new long term banking direction
E4. Providing Favourable Regulatory Frameworks

1. Introduction
1.1 What Exactly Is Mobile Remittance?
1.2. Focus of the Report

2. The Remittance Market
2.1 The Critical Macroeconomic Role of Remittances
Chart 1. Remittances as a Share of National GDP in 2006
2.2 Behind Global Growth Trends in Remittance Flows
2.2.1 Growth in Global Migration
Chart 2. Growth in Global Migrant Stocks, 1960-2050
Chart 3. Average Annual Net Migrants to More Developed Regions
2.2.2 Remittance Flow Growth
Chart 4. Growth of Global Remittance Flows 1990-2007
Chart 5. Financial Flows into Developing Economies 1990-2007
2.2.3 Analysis of Flows into Recipient Countries
Table 1. Top 30 Formal Remittance Receiving Countries 2007
Table 2. Top 30 Formal Remitter Countries 2007
2.3 Migration Patterns and Remittance Corridors
Figure 1. Major Bilateral Remittance Corridors and Estimated Flows, 2007
2.3.1 Growth of the UK-Poland Remittance Corridor
2.3.2 Remittance Corridors and Operator Market Strategy
2.4 Remittances as a stable source of external finance
2.5 The multiplying effect of remittances: consumption, savings and investment
2.5.1 Enabling additive and transformational approaches to banking

3. Drivers towards Implementation
3.1 Financial Infrastructure
Chart 6. Market Share of P2P Money Transfers 2006
3.1.1 Inadequate Servicing of Remittance by Existing Mechanisms
Table 3. Global and UK Remittance Transaction Fees Comparison
3.1.2 Poor financial infrastructure in developing economies
3.1.3 Participation in the formal vs. informal economy
3.2 Mobile Infrastructure
3.2.1 Global Mobile Penetration
Chart 7. Global Telecoms Subscriber Growth, 1982-2013
Chart 8. African Mobile Subscriber Growth 1999-2013
Chart 9. Asian Mobile Subscriber Growth 1999-2013
3.2.2 Technological Developments
3.2.2.1 The Development of M-transaction
3.2.2.2 Convergence
3.2.2.3 Convergence Embraces Mobile Transaction
3.2.2.2 Low-cost handsets
3.2.2.3 Mobile Subscriber Growth in Emerging Markets
Chart 10. Top Ten Countries for Net Additional Subscribers 2007
3.2.2.4 SMS Banking
Figure 2. Basic SMS banking transaction flow
3.2.2.4.1 Prime Disadvantages of SMS banking
3.2.2.5 STK-enabled Mobile Transaction
3.2.2.6 IVR Banking Service Delivery
3.2.2.7 USSD/USSD2
3.2.2.8 WAP Service Delivery
3.2.2.9 Service Delivery via J2ME Apps
3.2.2.10 mWallet

4. Mobile Remittance: Operator-Side Types of Implementation
4.1 Business Models
Figure 4. Mobile Remittance Value Chain
4.1.1 Mobile Operator as Bearer Channel Provider
Figure 5. MNO as Bearer-only Business Model
4.1.2 Mobile Operator as Bearer and Banking Application Host
Figure 6. MNO Banking Application Host Business Model
4.1.3 Integrating Banks/Financial Institutions into Mobile Operator Hosted Platforms
Figure 7. Business Model for an MNO as a Banking Hub
Figure 8. Topology of the MNO Banking Hub Model
4.1.4 MNO Adoption of Financial Institution Status
Figure 9. Financially-licensed MNO model with MNO positioned as beneficiary
Figure 9. Financially-licensed MNO model with MNO positioned as remitter
4.1.5 Summary of MNO Business Model Options
4.2. Business Model Options for Financial Institutions
4.3 Service Models
4.3.1 mWallet to mWallet
Scenario 1. mWallet-to-mWallet transaction
4.3.2. mWallet to Cash
Scenario 3. mWallet-to-Cash transaction
4.3.3 Cash to mWallet
Scenario 3. Cash-to-mWallet transaction

5. Financial and Mobile Industry Convergence: Control Points and Requirements in Implementation
5.1 Regulatory
5.1.1 Addressing Boundaries between financial and telecoms regulatory frameworks
5.1.2. Aligning Developing Economy Mobile Remittance Models with KYC and AML/CFT Regulations
5.1.3. Developing Economy Mobile Remittance Models and the Application of Prudential Regulation
5.1.3. Developing Economy Mobile Remittance Models and Access to Clearing Systems
5.1.4 Formalising Remittance Flows
5.2. Transaction Processing

6. Mobile Operator and Financial Institution Partnerships: Mobile Remittance Case Studies and Emerging Developments
6.1. Smart Telecom mWallet Services, Philippines
Chart 11. Smart Money users as Proportion of Subs
6.1.1 Smart Padala Remittance: 4 years of success
Tables 4a and 4b. Smart Padala Remittance Partners and Locations Overseas
6.2. Globe Telecom, Philippines
6.2.1 GXI - Globe’s M-Commerce Subsidiary
6.3. Vodafone’s Strategies
6.3.1 Safaricom and M-PESA: m-transaction as a precursor to wider cross-border mobile remittance
6.3.1.1 M-PESA Adoption Curve
Chart 12. M-PESA Adoption, April 2007-March2008
6.3.1.2 M-PESA Adoption Drivers
6.3.1.4 The M-PESA Service Model
6.3.1.5 M-PESA Expansion and International Implementation by Vodafone
Figure 10. Advertisement for M-PESA
6.3.1.6 Delays and Barriers for the International Implementation of M-PESA
6.3.2 Vodafone and Citigroup/Citibank global agreement
6.5. Bharti Airtel and Western Union Pilot Project
6.6. The GSM Association Mobile Money Transfer (MMT) Initiative
6.6.1 MMT: Attempt at creating a Multilateral Remittance Framework
Table 5. Options for the Implementation of Multilateral MMT Hub Platforms
6.6.2 Partnerships
6.6.2.1 GSMA-Western Union Partnership
6.6.2.2 GSMA-MasterCard Partnership
6.6.2.3 GSMA-Western Union-Smart
6.6.2.4 GSMA-Western Union-RBS Group-Belgacom ICS HomeSend platform
6.6.2.5 GSMA-Visa
6.6.2.6 Western Union-Orascom mobile money transfer pilot
6.7 NatWest-PKO Bank Polski
6.8 Visa-US Bank mobile money transfer pilot
6.9 Deutsche Bank mobile payments service
6.10 !dea Cellular, Tata Communications, HSBC India & Etisalat UAE joint pilot project

7. Remittance: Vendor Profiles
7.1 Utiba
7.2 aKos Technology Corporation
7.3 Cointel
7.4 Monitise
7.5 GFG Group
7.6 Sybase
7.7 Paybox
7.8 eServGlobal
7.9 mTranZact
7.10 Overview of M-Commerce Vendors in Remittance
7.10.1 Licensing Vendor Business Models
7.10.2 ASP Vendor Business Models
7.10.3 Suitability

8. Conclusion
8.1 A necessity for economic development equals high consequential take-up
8.2 The need for regulatory harmonisation and accommodation
8.3. Standardisation as an achievable goal
8.4. Which form of mobile remittance will emerge as the most common?
8.5. The Danger of the Two Tier Mobile Economy
8.6. Forecasts: Deriving growth from global recovery beyond 2010
Chart 13. Global remittance growth forecast
Chart 14. Comparison of Forecasts for Remittance Channels By Value
Chart 15. Forecasts for Remittance Channel Volume
Table 6. Operator revenues generated from transaction costs
8.6.1. Greatest Impact: Asia and Africa
Chart 16. Comparative Mobile Remittance Forecast for Recipient Countries
Table 7. Forecast for Mobile Remittance Transaction Volumes per Country (US$million)
8.6.1. Minimal Impact in Latin America and Eastern Europe

Companies Listed

aKos Technology
Aktel
Alliance & Leicester
AT&T
Belgacom ICS
Bharti Airtel
Cable & Wireless
Citigroup
ClearTalk Wireless
COAI
Cointel
CSL
Cybertalk Limited
Dahaabshil
Deloitte
Deutsche Bank
DFID
Dialog
Digicel
Du
Enitel
eServGlobal
Etisalat
EU
Financial Services Authority
Fundamo
GFG Group
Globe Telecom
Global Peso Express
Grameenphone
GXI
HSBC
Hutchison 3G
ICSL Nigeria
!dea Cellular
IMF
Indosat
Inter-American Development Bank
Lari Exchange
Lebara Mobile
LG Electronics
Life
Link
Lycatel
Luup
MasterCard
Maxis
MiPay
Mobilink
MoneyGram
Monitise
Motorola
MTC Bahrain
MTN
mTranZact
Nairobi Stock Exchange
NatWest
Nokia
Orange
Orascom Telecom
Paybox
Pera Padala
Pinoy Express
PKO Bank Polski
Polkomtel
Royal Bank of Scotland
Safaricom
SingTel
Smart Communications
Softbank
Sony-Ericsson
Swisscom
Sybase
Tata Communications
Telefonica
Telenor
Tesco Mobile
TIM
TMN
Touch Mobile
Travelex
Turkceli
Ulster Bank
UNCTAD
United Nations
US Bank
Utiba
Vigo
VimpelCom
Virgin Mobile
Visa
Vodacom
Vodafone
Western Union
World Bank
Zantel

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Global Thrifts and Mortgage Finance

Datamonitor’s industry profiles are an essential resource for top-level data and analysis. This profile includes data on market size and segmentation, plus textual analysis of the key trends and competitive landscape, demographic information, and descriptions of the leading companies.
Scope of this research

* Contains an executive summary and data on value, volume and segmentation
* Provides textual analysis of the industry’s prospects, competitive landscape and leading companies
* Includes a five-year forecast of the industry

Research and analysis highlights

Detailed information is included on market size, measured by both value and volume. Market shares are covered by manufacturer and by brand, including private label.
Key reasons to purchase this research

* Spot future trends and developments
* Inform your business decisions
* Add weight to presentations and marketing materials
* Save time carrying out entry-level research

For more information kindly visit
http://www.bharatbook.com/Market-Research-Reports/Global-Thrifts-and-Mortgage-Finance.html

Affinity and Partnership Marketing Strategies in Credit Cards and Banking in Europe

Finaccord’s report entitled Affinity and Partnership Marketing Strategies in Credit Cards and Banking in Europe is a unique research publication dedicated to a broad investigation of affinity financial services in Europe with the focus on credit cards and banking services. It draws on the findings of around 100 interviews carried out over a 24-month period from September 2003 to August 2005 in order to assess the development of affinity and partnership marketing strategies in European credit cards and banking and to highlight examples of both banking institutions and partner organisations that embody best practice in this field.

It covers credit cards and other consumer banking sectors in equal measure and represents the most comprehensive source of intelligence on this important topic. In an increasingly mature market for credit cards and retail banking in Europe, initiatives in affinity and partnership marketing represent some of the best opportunities for business growth in both domestic and international markets. Indeed, ultimately, affinity and partnership marketing strategy is a fundamental issue for all card issuers and banking institutions given its potential to deliver superior revenue growth. As such, Affinity and Partnership Marketing Strategies in Credit Cards and Banking in Europe delivers mission-critical insights allowing you to identify viable opportunities, learn from best demonstrated practice and to influence your own organisation’s partnering strategy accordingly.

For more information kindly visit
http://www.bharatbook.com/Market-Research-Reports/Affinity-and-Partnership-Marketing-Strategies-in-Credit-Cards-and-Banking-in-Europe.html

Insurance and Assistance linked to Payment Cards and Bank Accounts in Southern and Western Europe

Finaccord’s report titled Insurance and Assistance linked to Payment Cards and Bank Accounts in Southern and Western Europe investigates the market for insurance and assistance policies linked to banking products in Southern and Western Europe. Composed of a series of niche covers designed to enhance the revenues derived by banks from their payment card and current account operations, Finaccord’s research indicates this market in Southern and Western Europe to have been worth some €5.26 billion in 2008. Moreover, with insurance and assistance providers showing creativity in structuring new types of policy to cater for emerging customer segments, the sector seems to be destined for continuing growth. Drawing on the results of an investigation covering some 265 banking institutions and other issuers and distributors of credit cards in eight countries in Southern and Western Europe (Belgium, France, Ireland, Italy, the Netherlands, Portugal, Spain and the UK), the report analyses the provision of a variety of different types of insurance and assistance policy in the broad categories of card and cash protection, travel cover, creditor, accident and health cover, shopping cover and other policies. Moreover, the PartnerBASE™ database that accompanies the report details each of more than 7,250 insurance or assistance enhancements to the c. 2,200 payment cards and bank accounts analysed. Indeed, specific policy types investigated include each of the following: card and cash protection policies - card protection insurance, ATM cash theft insurance; travel policies - travel accident insurance, travel health insurance, travel assistance, travel inconvenience insurance, comprehensive travel insurance; creditor, accident and health policies - creditor insurance - life / permanent disability, creditor insurance - temporary incapacity / unemployment, personal accident insurance, accidental death insurance, health and hospital cash plans, health assistance; shopping policies - purchase protection insurance, price protection insurance, extended warranty; other policies - road assistance, home assistance, personal liability insurance, legal expenses insurance and assistance, mobile telephone insurance, identity protection insurance and assistance, car hire insurance, corporate liability waiver insurance, and miscellaneous other insurance. Hence, this report and the PartnerBASE™ that accompanies it can be used in one or more of the following ways: appreciate the magnitude of the opportunity in insurance and assistance linked to payment cards and bank accounts in Southern and Western Europe: in aggregate, this is a significant market; gain access to a single comprehensive source of information that provides both the detail and analysis surrounding over 7,250 individual insurance or assistance enhancements; identify opportunities to develop new forms of insurance or assistance linked to payment cards and bank accounts in line with the marketing strategies of banking institutions and other card issuing entities in Southern and Western Europe; understand the supply structure for insurance and assistance enhancements and how the market segments between international specialists, local providers and captive underwriters; gain insight into the international presence of leading protagonists in this sector including ACE, AIG, AXA Assistance, BNP Paribas Assurance, CPP, Europ Assistance and Genworth Financial.

TABLE OF CONTENTS:

0.0 EXECUTIVE SUMMARY 2
The regional market was worth around €5.26 billion in gross premiums written in 2008 2
with France and the UK combined accounting for almost 70% of this market value 2
Card protection insurance is the most commonly occurring type of enhancement 3
Programs are sometimes organised by centralised card issuers rather than individual distributors 3
Several providers have an identifiably international approach to the market 3
The market for insurance and assistance enhancements should continue to make progress 4
as a consequence of the virtuous combination of a variety of factors4
including the growing application of insurance and assistance to standard banking products4
and changes in the demographic structure and general behaviour of consumers as a whole 4
France is probably the market in which cutting edge innovations are most apparent 5

1.0 INTRODUCTION 7
Rationale 7
Mainstream bancassurance markets are comparatively well documented7
but less attention has been given to insurance and assistance linked to banking products 7
Insurance and assistance linked to banking products: Europe’s ‘covert’ bancassurance market? 7
Methodology 8
The research program identifies in excess of 7,250 insurance and assistance enhancements8
attached to over 2,200 banking products offered by the universe of 265 banking entities 9
The basic units of analysis for the report are the payment cards and bank accounts themselves 10
Definitions 10
Finaccord 13
PartnerBASE™ 14

2.0 REGIONAL OVERVIEW 19
Introduction 16
Debit cards 17
Across all eight countries, debit cards issued advance at an average rate of 2.2% per annum 17
Debit cards per capita reach high and low points in 2008 in the Netherlands and Italy respectively 19
Credit and other pay later cards 21
The UK now accounts for a regional share of less than 30% of credit and pay later cards issued 21
In terms of credit cards issued per capita, Spain could quite conceivably overtake the UK in 2009 23
Belgian and Dutch consumers show the least inclination to carry credit and other pay later cards 25
Average number of insurance and assistance policies per product 27
Insurance and assistance enhancements are most widespread among French banks 27
Relative weight of broad categories of insurance and assistance 28
Insurance and assistance preferences vary somewhat between the eight countries analysed 28
Penetration rates for insurance and assistance policies 30
Card and cash cover 30
Card protection insurance: commonplace in all countries other than Belgium and the Netherlands 30
ATM cash theft insurance: sometimes offered as an adjunct to wider protection policies 32
Travel cover 33
Travel accident insurance: packaged with over a half of banking products analysed in Spain 33
Travel health insurance: stand-alone policies are limited to a handful of examples in Italy 34
Travel assistance: penetration rates are close to one third in France and Spain 35
Travel inconvenience insurance: most CartaSi cards in Italy carry travel inconvenience cover 36
Comprehensive travel insurance: packaged automatically with many types of card in France 37
Creditor, accident and health cover 38
Creditor insurance (life / permanent disability): optional cover is standard in Ireland and the UK 38
Creditor insurance (temporary incapacity / unemployment): penetration rates are similar 39
Personal accident insurance: cover is offered for free in a minority of cases in Italy and Spain 40
Accidental death insurance: the regional average penetration rate reaches 1.65% 41
Health / hospital cash plans: offered by a number of banking institutions in Italy and Portugal 42
Health assistance: penetration rates are significant only in Italy and Portugal 43
Shopping cover 44
Purchase protection insurance: adopted to a greater or lesser extent by all Dutch card issuers 44
Price protection insurance: penetration rates lag far behind those for purchase protection cover 45
Extended warranties: examples of packaging are most visible in France and the UK 46
Other types of cover 47
Road assistance: almost 20% of products analysed in Portugal include this form of cover 47
Home assistance: while absent in four countries, penetration rates are relatively high in Portugal 48
Personal liability insurance: packaging with banking products occurs only in Italy and Portugal 49
Legal expenses insurance / assistance: rates of provision are modest in all territories 50
Mobile telephone insurance: inclusion within card protection cover boosts penetration in France 51
Identity protection insurance / assistance: subject to significant development only in the UK 53
Car hire insurance: a minor feature of the market in France, Italy, the Netherlands and Spain 54
Corporate liability waiver insurance: included with over 25% of all business and corporate cards 55
Other miscellaneous insurance: numerous other types of enhancement are in evidence56
ranging from computer laptop theft insurance and computing assistance56
to Internet delivery insurance and Internet purchase protection insurance56
and insurance for missed events, mobile gadgets and winter sports 57
In France, customers with Carrefour’s PASS card can choose from a broad array of policies 57
Approximate market size 59
It is necessary to make a variety of assumptions when computing the market size 59
Travel accident insurance and purchase protection insurance are the most common policy types 59
The regional market was worth approximately €5.26 billion in gross written premiums in 200862
and is likely to be growing at an average annual rate of between 5% and 10% overall 62
Insurance and assistance premiums per capita are highest in the UK and lowest in Belgium 64
Card-related creditor insurance and card protection insurance are the highest value segments 66
Consumer metrics 69
Finaccord’s pan-European consumer research also yields valuable insights into the market 69
Key consumer metrics for card protection insurance 70
Card protection insurance paid for separately enjoys the highest penetration in France 70
Key consumer metrics for creditor (card payment protection) insurance 72
Insurance protecting credit card payments is most widely held by French consumers72
although acquisition rates in a paid-for format are most advanced in the UK 72
Key consumer metrics for travel insurance 75
French consumers are most likely to rely on travel insurance linked to their credit card 75
Key consumer metrics for other forms of insurance and assistance 78
In the UK, the scope exists to increase free packaging with credit cards and current accounts 78

3.0 BELGIUM 81
Introduction to the banking and payment card sectors 81
The aftermath of the ‘credit crunch’ brings about fundamental change to the banking sector 81
Numerous medium-sized and small banking ventures challenge the four largest institutions 81
Credit and other pay later cards grow at double the rate of debit cards in Belgium 82
Insurance and assistance linked to payment cards and bank accounts 84
Broad types of cover 84
Travel-related cover is most commonly packaged with payment cards and bank accounts 84
Specific cover penetration 85
albeit this often appears in the form of travel accident insurance or travel assistance 85
Operating models 87
Cardif, ING Insurance and KBC Insurance are active as captive underwriters in Belgium 87
Partner market shares 89
AIG Europe is the most prolific partner for both travel accident and purchase protection policies 89

4.0 FRANCE 92
Introduction to the banking and payment card sectors 92
The concentrated French consumer banking market is experiencing further consolidation92
as a result of the link between the Banques Populaires and the Caisses d’Epargne92
and the acquisition of the Belgian and French banking arms of Fortis by BNP Paribas 92
Carte Bleue and MasterCard play a key role in insurance and assistance enhancements 92
The popularity of co-branded and private label cards boosts credit and other pay later products 94
Insurance and assistance linked to payment cards and bank accounts 97
Broad types of cover 97
Card and cash protection is the most widespread category of cover in France 97
Specific cover penetration 98
with card protection insurance often embracing forms of mobile telephone insurance 98
Travel cover of one sort or another is carried by a majority of MasterCard and Visa cards 98
France also plays host to a variety of innovative enhancements to banking products 98
Operating models 100
France is characterised by the utilization of a very diverse range of operating models 100
Gras Savoye and SPB are influential as affinity brokers of insurance and assistance 100
Partner market shares 102
The Groupement Carte Bleue collaborates with several suppliers for travel-related cover 102
Gras Savoye and SPB are prominent as organisers of card protection insurance 102
A high number of providers compete in other major areas of insurance and assistance 103

5.0 IRELAND 106
Introduction to the banking and payment card sectors 106
A variety of banking institutions owned by foreign parents challenge the traditional incumbents 106
Debit cards issued comprehensively outgrow credit and other pay later cards issued in Ireland 107
Insurance and assistance linked to payment cards and bank accounts 109
Broad types of cover 109
Creditor and other accident and health covers are available most frequently in Ireland109
Specific cover penetration 110
although card protection insurance achieves the highest overall rate of penetration 110
Operating models 112
Most schemes are organised in conjunction with single, external underwriters112
although Affinion International is used by Ulster Bank for its ufirst account 112
Partner market shares 114
CPP accounts for most of the main relationships available for card protection insurance 114
Several providers are active in card-related creditor insurance and comprehensive travel cover 114

6.0 ITALY 117
Introduction to the banking and payment card sectors 117
Four, or arguably five, retail banking groups lay claim to a genuinely nationwide network117
although these are being challenged by an array of ambitious regional competitors117
as well as several insurer-owned banks and banks falling under foreign ownership 117
Italy also plays host to a considerable number of specialised lending institutions117
including central card issuing entities that promote their cards through distributor banks 118
Credit and other pay later cards issued overtook debit cards issued in Italy in 2007 119
Insurance and assistance linked to payment cards and bank accounts 121
Broad types of cover 121
Over one third of covers identified fall into the creditor and other accident or health category 121
Specific cover penetration 122
Combined insurance and assistance packages boost provision rates for individual types of cover
122
Operating models 124
Captive and joint venture underwriters play some part in the insurance and assistance sector124
although most enhancements to banking products are organised through a single underwriter
124
Partner market shares 126
CPP possesses an extensive client list although Affinion’s Sentinel is the partner of CartaSi 126
Providers owned ultimately by French banks are most prominent in card-related creditor insurance
126
Four main providers are visible in the market for purchase protection insurance 126
Several important packages are managed by Assicurazioni Generali and Europ Assistance 126

7.0 NETHERLANDS 130
Introduction to the banking and payment card sectors 130
The integration of ABN AMRO and Fortis Bank brings about further market concentration130
albeit a number of smaller institutions offer an element of competition to the ‘big three’ 130
Most Dutch consumers remain apparently reluctant to carry credit and other pay later cards 131
Insurance and assistance linked to payment cards and bank accounts 133
Broad types of cover 133
The Dutch market is characterised by the relatively high presence of covers related to shopping 133
Specific cover penetration 134
Purchase protection insurance is the most commonly occurring enhancement to payment cards 134
Operating models 136
ABN AMRO elects to continue its joint venture arrangement with Aviva 136
Partner market shares 138
The Warranty Group benefits from its links with Comfort Card, LaSer Cards and Prime Line 138
The protagonists in comprehensive travel insurance are familiar international competitors 138

8.0 PORTUGAL 141
Introduction to the banking and payment card sectors 141
For a relatively small market, Portugal’s retail lending sector remains comparatively fragmented
141
although Cetelem and Groupe LaSer have agreed to combine their local subsidiaries 141
Credit and other pay later cards are gradually eroding the share of debit cards in Portugal 142
Insurance and assistance linked to payment cards and bank accounts 144
Broad types of cover 144
Banking products in Portugal are well-endowed with insurance and assistance enhancements 144
Specific cover penetration 145
Provision rates are significant across a range of different types of policy 145
Operating models 147
Captive underwriters are more influential in Portugal than in any other country reviewed147
Partner market shares 149
although non-captive providers also account for a number of significant relationships 149

9.0 SPAIN 152
Introduction to the banking and payment card sectors 152
The main wave of consolidation in Spanish retail banking has now taken place 152
Many of Spain’s savings banks are characterised by an independent, entrepreneurial spirit 152
A number of overseas entrants play a significant role in the consumer finance sector 152
Spanish consumers shift decisively towards credit and other pay later cards 154
Insurance and assistance linked to payment cards and bank accounts 156
Broad types of cover 156
The Spanish market is oriented most strongly to insurance for card and cash protection156
Specific cover penetration 157
although many payment cards also carry a free general accident insurance policy 157
Operating models 159
Several banking institutions make partial or exclusive use of captive underwriting entities159
Partner market shares 161
In terms of its raw number of relationships, Caser benefits from its ties with many savings banks 161
MBNA makes blanket use of ACE European Group for several types of cover 161
At least eight assistance companies compete for travel assistance mandates 161
Niche providers such as Autoclub Mutua, Legálitas and Reparalia are also visible 161

10.0 UNITED KINGDOM 165
Introduction to the banking and payment card sectors 165
The financial crisis is the main driver of rationalization of the UK consumer banking market 165
Credit and other pay later cards peak in 2005 although debit cards issued continue to grow 166
Insurance and assistance linked to payment cards and bank accounts 168
Broad types of cover 168
The ratio of covers to products analysed is higher in the UK than any other country considered 168
Specific cover penetration 169
Forms of insurance that must be paid for separately by customers are the most widespread 169
Operating models 171
Captive underwriters account for a significant proportion of all relationships identified 171
Partner market shares 173
CPP and Sentinel account for the vast majority of relationships for card protection insurance173
with CPP also emerging as the most prolific partner in the domain of identity theft cover 173
At least eight non-captive underwriters are active in the market for card-related creditor insurance
173

GRAPHICS / TABLES
Banks and other entities covered by the research segmented by country 8
Payment cards and bank accounts covered by the research segmented by country, marque and type 9
Debit cards issued in Southern and Western Europe, segmented by country, 2004-8 17
Debit cards issued in Southern and Western Europe, segmented by country, 2004-8 (data) 18
Debit cards issued per capita in Southern and Western Europe, segmented by country, 2004-8 19
Debit cards issued per capita in Southern and Western Europe, segmented by country, 2004-8 (data) 20
Credit and other pay later cards issued in Southern and Western Europe, segmented by country, 2004-8 21
Credit and other pay later cards issued in Southern and Western Europe, segmented by country, 2004-8 (data) 22
Credit and other pay later cards issued per capita in Southern and Western Europe, segmented by country, 2004-8
23
Credit and other pay later cards issued per capita in Southern and Western Europe, segmented by country, 2004-8
(data) 24
Credit and other pay later cards issued as a % of all payment cards issued in Southern and Western Europe,
segmented by country, 2004-8 25
Credit and other pay later cards issued as a % of all payment cards issued in Southern and Western, segmented by
country, 2004-8 (data) 26
Average number of insurance and assistance covers per product analysed in Southern and Western Europe,
segmented by country, 2009 27
Relative weight of insurance and assistance policies linked to payment cards and bank accounts in Southern and
Western Europe, segmented by broad type of cover, 2009 28
Relative weight of insurance and assistance policies linked to payment cards and bank accounts in Southern and
Western Europe, segmented by broad type of cover, 2009 (data) 29
Penetration rates for card protection insurance in Southern and Western Europe, segmented by country, 2009 31
Penetration rates for ATM cash theft insurance in Southern and Western Europe, segmented by country, 2009 32
Penetration rates for travel accident insurance in Southern and Western Europe, segmented by country, 2009 33
Penetration rates for travel health insurance in Southern and Western Europe, segmented by country, 2009 34
Penetration rates for travel assistance in Southern and Western Europe, segmented by country, 2009 35
Penetration rates for travel inconvenience insurance in Southern and Western Europe, segmented by country, 2009
36
Penetration rates for comprehensive travel insurance in Southern and Western Europe, segmented by country,
2009 37
Penetration rates for creditor insurance (life / permanent disability) in Southern and Western Europe, segmented by
country, 2009 38
Penetration rates for creditor insurance (temporary incapacity / unemployment) in Southern and Western Europe,
segmented by country, 2009 39
Penetration rates for personal accident insurance in Southern and Western Europe, segmented by country, 2009 40
Penetration rates for accidental death insurance in Southern and Western Europe, segmented by country, 2009 41
Penetration rates for health / hospital cash plans in Southern and Western Europe, segmented by country, 2009 42
Penetration rates for health assistance in Southern and Western Europe, segmented by country, 2009 43
Penetration rates for purchase protection insurance in Southern and Western Europe, segmented by country, 2009
44
Penetration rates for price protection insurance in Southern and Western Europe, segmented by country, 2009 45
Penetration rates for extended warranties in Southern and Western Europe, segmented by country, 2009 46
Penetration rates for road assistance in Southern and Western Europe, segmented by country, 2009 47
Penetration rates for home assistance in Southern and Western Europe, segmented by country, 2009 48
Penetration rates for personal liability insurance in Southern and Western Europe, segmented by country, 2009 49
Penetration rates for legal expenses insurance / legal assistance in Southern and Western Europe, segmented by
country, 2009 50
Penetration rates for mobile telephone insurance in Southern and Western Europe, segmented by country, 2009 52
Penetration rates for identity protection insurance / assistance in Southern and Western Europe, segmented by
country, 2009 53
Penetration rates for car hire insurance in Southern and Western Europe, segmented by country, 2009 54
Penetration rates for corporate liability waiver insurance in Southern and Western Europe, segmented by country,
2009 55
Penetration rates for other miscellaneous insurance in Southern and Western Europe, segmented by country, 2009
58
Approximate number of payment cards and bank accounts carrying insurance and assistance policies in Southern
and Western Europe, segmented by specific type of cover, 2009 61
Approximate gross written premiums for insurance and assistance linked to payment cards and bank accounts in
Southern and Western Europe, segmented by country, 2008 63
Approximate gross written premiums for insurance and assistance linked to payment cards and bank accounts per
capita in Southern and Western Europe, segmented by country, 2008 65
Approximate gross written premiums for insurance and assistance linked to payment cards and bank accounts in
Southern and Western Europe, segmented by type of cover, 2008 67
Approximate gross written premiums for insurance and assistance linked to payment cards and bank accounts in
Southern and Western Europe, segmented by type of cover, 2008 (data) 68
Percentage of cardholders in France, Germany, Italy, Spain and the UK in possession of card protection insurance,
2008 71
Percentage of cardholders in France, Germany, Italy, Spain and the UK in possession of card protection insurance,
2008 (data) 71
Percentage of cardholders in France, Germany, Italy, Spain and the UK in possession of creditor (card payment
protection) insurance, 2006 73
Percentage of cardholders in France, Germany, Italy, Spain and the UK in possession of creditor (card payment
protection) insurance, 2006 (data) 74
Types of travel insurance protecting respondents in France, Germany, Italy, Spain and the UK, 2004-6 76
Types of travel insurance protecting respondents in France, Germany, Italy, Spain and the UK, 2004-6 (data) 77
Percentage of consumers in the UK with other forms of insurance and assistance included for free on a credit card or
within a current account, 2007 79
Number of debit and credit / pay later cards in Belgium, 2004-8 82
Key metrics for debit and credit / pay later cards in Belgium, 2004-8 83
Relative weight of insurance and assistance policies linked to payment cards and bank accounts in Belgium,
segmented by broad type of cover, 2009 84
Penetration of insurance and assistance policies linked to payment cards and bank accounts in Belgium, segmented
by specific type of cover, 2009 86
Operating models used for insurance and assistance policies linked to payment cards and bank accounts in
Belgium, segmented by specific type of cover, 2009 88
Partner market shares for insurance and assistance linked to bank accounts and payment cards in Belgium,
segmented by type of cover, 2009 90
Number of debit and credit / pay later cards in France, 2004-8 95
Key metrics for debit and credit / pay later cards in France, 2004-8 96
Relative weight of insurance and assistance policies linked to payment cards and bank accounts in France,
segmented by broad type of cover, 2009 97
Penetration of insurance and assistance policies linked to payment cards and bank accounts in France, segmented
by specific type of cover, 2009 99
Operating models used for insurance and assistance policies linked to payment cards and bank accounts in France,
segmented by specific type of cover, 2009 101
Partner market shares for insurance and assistance linked to bank accounts and payment cards in France,
segmented by type of cover, 2009 104
Number of debit and credit / pay later cards in Ireland, 2004-8 107
Key metrics for debit and credit / pay later cards in Ireland, 2004-8 108
Relative weight of insurance and assistance policies linked to payment cards and bank accounts in Ireland,
segmented by broad type of cover, 2009 109
Penetration of insurance and assistance policies linked to payment cards and bank accounts in Ireland, segmented
by specific type of cover, 2009 111
Operating models used for insurance and assistance policies linked to payment cards and bank accounts in Ireland,
segmented by specific type of cover, 2009 113
Partner market shares for insurance and assistance linked to bank accounts and payment cards in Ireland,
segmented by type of cover, 2009 115
Number of debit and credit / pay later cards in Italy, 2004-8 119
Key metrics for debit and credit / pay later cards in Italy, 2004-8 120
Relative weight of insurance and assistance policies linked to payment cards and bank accounts in Italy, segmented
by broad type of cover, 2009 121
Penetration of insurance and assistance policies linked to payment cards and bank accounts in Italy, segmented by
specific type of cover, 2009 123
Operating models used for insurance and assistance policies linked to payment cards and bank accounts in Italy,
segmented by specific type of cover, 2009 125
Partner market shares for insurance and assistance linked to bank accounts and payment cards in Italy, segmented
by type of cover, 2009 128
Number of debit and credit / pay later cards in the Netherlands, 2004-8 131
Key metrics for debit and credit / pay later cards in the Netherlands, 2004-8 132
Relative weight of insurance and assistance policies linked to payment cards and bank accounts in the Netherlands,
segmented by broad type of cover, 2009 133
Penetration of insurance and assistance policies linked to payment cards and bank accounts in the Netherlands,
segmented by specific type of cover, 2009 135
Operating models used for insurance and assistance policies linked to payment cards and bank accounts in the
Netherlands, segmented by specific type of cover, 2009 137
Partner market shares for insurance and assistance linked to bank accounts and payment cards in the Netherlands,
segmented by type of cover, 2009 139
Number of debit and credit / pay later cards in Portugal, 2004-8 142
Key metrics for debit and credit / pay later cards in Portugal, 2004-8 143
Relative weight of insurance and assistance policies linked to payment cards and bank accounts in Portugal,
segmented by broad type of cover, 2009 144
Penetration of insurance and assistance policies linked to payment cards and bank accounts in Portugal, segmented
by specific type of cover, 2009 146
Operating models used for insurance and assistance policies linked to payment cards and bank accounts in
Portugal, segmented by specific type of cover, 2009 148
Partner market shares for insurance and assistance linked to bank accounts and payment cards in Portugal,
segmented by type of cover, 2009 150
Number of debit and credit / pay later cards in Spain, 2004-8 154
Key metrics for debit and credit / pay later cards in Spain, 2004-8 155
Relative weight of insurance and assistance policies linked to payment cards and bank accounts in Spain,
segmented by broad type of cover, 2009 156
Penetration of insurance and assistance policies linked to payment cards and bank accounts in Spain, segmented
by specific type of cover, 2009 158
Operating models used for insurance and assistance policies linked to payment cards and bank accounts in Spain,
segmented by specific type of cover, 2009 160
Partner market shares for insurance and assistance linked to bank accounts and payment cards in Spain,
segmented by type of cover, 2009 163
Number of debit and credit / pay later cards in the UK, 2004-8 166
Key metrics for debit and credit / pay later cards in the UK, 2004-8 167
Relative weight of insurance and assistance policies linked to payment cards and bank accounts in the UK,
segmented by broad type of cover, 2009 168
Penetration of insurance and assistance policies linked to payment cards and bank accounts in the UK, segmented
by specific type of cover, 2009 170
Operating models used for insurance and assistance policies linked to payment cards and bank accounts in the UK,
segmented by specific type of cover, 2009 172
Partner market shares for insurance and assistance linked to bank accounts and payment cards in the UK,
segmented by type of cover, 2009 174

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Choices in Cord Blood Banking Factors Influencing Parental Decision Making

Cord blood banking is increasingly being used to improve and save lives. Stem cells derived from umbilical blood have been used in more than 14,000 transplants worldwide to treat a wide range of blood diseases, genetic and metabolic disorders, immunodeficiencies and various forms of cancer. However, many expectant parents still do not fully understand the significance of cord blood storage. A study published in the Journal of Reproductive Medicine shows that a third of expectant parents are unaware of the option to preserve cord blood. Of the two-thirds who have some knowledge, 74% describe themselves as ¡§minimally informed.¨

Part 1 of this market report used proprietary data-derivation techniques to analyze conditions of the cord blood banking industry. Part 2 of this report used an end-user survey of expectant parents to identify and analyze the factors involved in the decision to privately store, publicly donate, or discard cord blood at birth. More than 1,200 expectation parents throughout the U.S., as well as Canada, Mexico, Europe, Asia, South/Central America, Australia and other regions answered the detailed survey between November 2008 and January 2009.

The report includes:

Sources through which expectant parents learn of cord blood banking
Rates of parental awareness of cord blood banking by gender, household income, geographic location, education, birth order, and other critical factors
Reasons parents cite as driving the decision to store cord blood
Factors influencing the decision for private vs. public storage of cord blood
Price sensitivity and quality expectations
Comparative analysis of quality variables among cord blood banks and parent perceptions of them
Parental responsiveness to health statistics
Differences in perspective based on global region, as well as differences due to location (city vs. suburban vs. rural)
Critical trends in cord blood banking and the factors influencing them
Competitive analysis of the Cord Blood Banking Industry, including:

U.S. Public Cord Blood Banks
U.S. Private Cord Blood Banks
International Public Cord Blood Banks
International Private Cord Blood Banks

Population Profiling: Characteristics of those highly/moderately/least likely to purchase cord blood banking services
Methods to effectively communicate with your target audience: Expectant Parents
And much more…

Table of Contents:

PART 1: CORD BLOOD BANKING, INDUSTRY OVERVIEW

I. Abstract

II. Cord Blood Stem Cells

A. Fetal Cord Blood Characteristics

B. Existing Treatments

C. Future Applications

III. Cord Blood Banking Industry
A. History
B. Private vs. Public Cord Blood Banks
1. U.S. Public Banks

a. Overview

b. Number of Public Banks

c. Geographic  Distribution

2. U.S. Private Banks
a. Overview

b. Number of U.S. Private Banks

c. Geographic  Distribution

3. Free Programs for U.S. Families with Medical Need

4. International Banks

a. Overview

b. Number Private Cord Blood Banks by International Region

IV. Market Characterization

A. List of U.S.  Private Cord Blood Banks

B. List of U.S. Public Cord Blood Banks

C. U.S. Mail-In Donation Cord Blood Banks

D. Breakdown of Canadian Cord Blood Banks – Public vs. Private / AABB Accredited vs. Non-Accredited

E. International Cord Blood Banks

1. Mexican Cord Blood Banks

a. Private Banks

b. Public Banking System

2. South/Central American Cord Blood Banks

a. Private Banks

b. Public Banking System

3. United Kingdom Cord Blood Banks

a. Private Banks

b. Public Banking System

4. European Cord Blood Banks

a. Private Banks

b. Public Banking System

5. Middle Eastern Cord Blood Banks

a. Private Banks

b. Public Banking System

6. Indian Cord Blood Banks

a. Private Banks

b. Public Banking System

7. Asian Cord Blood Banks

a. Private Banks

b. Public Banking System

8. Australian / New Zealand Cord Blood Banks

a. Private Australian and New Zealand Cord Blood Banks

b. Public Cord Blood Banks by Australian State

i. New South Wales

ii. Victoria

iii. Queensland

iv. Western Austalia, South Australia, & Tasmania

9. African Cord Blood Banks

a. Private Banks

b. Public Banking System

F. List of International Public Cord Blood Banks (Alphabetical by Country)

G. Worldwide List of AABB Accredited Cord Blood Facilities

V. United States Cord Blood Banking Legislation

A. U.S. State

B. U.S. Federal

1. Institute of Medicine Recommendations Study

a. Overview

b. Key Recommendations

c. IOM Study Shapes National Public Health Policy

2. Presidential Executive Order Expanding Approved Stem Cell Lines in Ethically Responsible Ways

a. Background

b. The Order

3. The Stem Cell Therapeutic and Research Act of 2005

a. Background

b. Current Status of the Act

VI. International Analysis – Trends, Policies and Industry Conditions (by Country)

A. NORTH & SOUTH  AMERICA

1. Canada

2. Mexico

3. United States

4. Brazil

5. Chile

6. Colombia

B. ASIA

1. China

2. Japan

3. Korea

4. Malaysia

5. Taiwan

6. Singapore

7. Thailand

C. INDIA

D. AUSTRALIA & NEW ZEALAND

E. EUROPE

1. European Union

a. Policy Overview

b. NETCORD Foundation
2. France

3. Germany & Austria

4. Italy

5. Netherlands

6. Spain

7. Poland

8. Russian Federation

9. United Kingdom

VII. Cost Analysis: Cord Blood Banking

A. Reasons for Variation in Cord Blood Pricing

1. Companies have Flexibility in the Pricing that they Set

2. Companies have Variables in the Services that they Offer

3. Variable Fee Breakdowns

B. Range of Pricing for U.S. Cord Blood Companies (1-100th percentiles)

1. U.S. Cord Blood Banking Price Range (1-100th%)

2. Lowest U.S. Pricing

3. Highest U.S. Pricing

4. Average U.S. Cord Blood Costs (25-75th percentiles)

5. Median Cost of U.S. Storage (50% percentile)

C. Range of Pricing for Canadian Cord Blood Companies (1-100th percentiles)

1. Canadian Cord Blood Banking Price Range (1-100th%)

2. Lowest Canadian Pricing

3. Highest Canadian. Pricing

4. Average Canadian. Cord Blood Costs (25-75th percentiles)

5. Median Cost of Canadian Storage (50% percentile)

VIII. Comparative Analysis of Quality Variables

A. Technical Variables

1. Vapor-Phase Storage vs. Liquid-Phase Storage

2. Cryo-bags vs. Cryo-vials

3. Pentastarch vs. Hetastarch

4. Computer Controlled vs. Manual Rate Freezing

5. Whole Sample vs. Volume Reduction

6. High-Control vs. Low-Control Aseptic Processing

B. Corporate Variables

1. Corporate Stability

2. Scientific Expertise

PART 2: EXPECTANT PARENTS, SURVEY RESULTS & FINDINGS

I. Survey Overview
A. Survey Population

B. Characterization of Market Survey Respondents

1. Geographic Distribution of Market Survey Respondents

2. Household Income Distribution of Survey Respondents

a. All Respondents

b. U.S. Respondents

3. Respondent Breakdown by Race

4. Respondent Breakdown by Gender

5. Respondent Breakdown by Level of Education

6. Respondent Breakdown by Location (City vs. Suburban vs. Rural)

7. Regional Breakdown of U.S. Respondents

8. Demographic Conclusions

II. Rates of Awareness: Unaware / Minimally Informed / Moderately Informed / Knowledgeable

A. Overall

B. By Gender

C. By Household Income

1. All Respondents

2. U.S. Respondents

D. By Education

E. By Race

F. By Geographic Location

1. Region within U.S.

2. Location (City vs. Suburban vs. Rural)

G. By Number of Existing Children within Family (e.g. Birth Order)

III. Factors Influencing Awareness

A. Personal Exposure: Relative Impact of Family, Co-Workers, Peers

B. Informational Sources: Information Sites, Books Medical Pamphlets, Government Sources

C. Medical Exposure: General Doctors, Ob / Gyn, Midwifes, Nurse, Other
D. Promotional Sources:  Internet Advertisements, Print Advertisements, Radio, TV, Other

IV. Factors Influencing Parental Decision-Making

A. Factors Influencing the Decision Not to Store Cord Blood

1.  Knowledge Level

2.  Price Sensitivity

3.  Safety Concerns

4.  Lack of Access

5.  Misconceptions

B. Factors Influencing the Decision for Private vs. Public Storage of Cord Blood

1. Ethical Beliefs

2. Gender

3. Total Household Income

4. Level of Education (Highest Level Achieved by at Least One Parent)

5. Race

6. Geographic Location

a. Region within U.S.

b. City vs. Suburban vs. Rural

7.  Access to Reliable Healthcare

8.  Number of Existing Children within Family (Birth Order)

9.  Source of Knowledge

10. Perceived Support of Medical Staff

11. Family Medical History

C. International Analysis of Cord Blood Banking Perceptions (Region-by-Region)

V. Parental Responsiveness to Health Statistics

A.  Overview

B.  Health Statistics

C.  Health Statistic Conclusions

VI. Parental Expectations

A. Quality of Services

B. Willingness to Educate/Inform

C. Reputability of Organization

VII. Trends

A. Rates of Cord Blood Storage (units per year)

B. Rates of Parental Awareness

C. Cord Blood Research Publication Rates

D. Cord Blood Research Funding Levels

E. Cord Blood Patent Breakdown

F.  Rates of Cord Blood Research Product Development

VIII. Informative Websites: Online Sources Utilized by Expectant Parents

A. Overview of Websites

1. Information Only

2. Commercial Affiliation

B. Dominant Regional Websites (International Analysis)

C. Most Important Criteria Used to Identify Sites to Inform Decision-Making

D. Underlying Reasons for Visiting Online Resources

IX. Conclusions

A. Traits of a “Model Customer”

1. “Model Customer” for a Private Cord Blood Bank

2. “Model Customer” for a Public Cord Blood Bank

B. Ideal Price Range

C. Approaches for Communicating with Expectant Parents

For more please visit
http://www.bharatbook.com/Market-Research-Reports/Choices-in-Cord-Blood-Banking-Factors-Influencing-Parental-Decision-Making.html

Retail banking market report

The effects of the financial crisis will leave a permanent scar on the face of the UK retail banking landscape. This will lead to the introduction of a series of regulatory measures that could potentially lead to wholesale changes in the UK retail banking market. The crisis will also have a large effect on consumer attitudes to financial services.

Scope of this research

Assesses and scores the likelihood of different regulatory proposals to be put into practice.
Uses Datamonitor’s Consumer Trends Survey to understand the recent change in consumer attitudes and how this is likely to impact the market.
Discuss future scenarios that look at how the retail banking market will cope under two contrasting regulatory regimes.

Research and analysis highlights
Datamonitor predicts the UK banking environment will remain risk averse and conservative over the next five to ten years. The market is set to be presented with more stringent rules, meaning that financial institutions will be faced with curbs on their undertakings.

Online price comparison sites, which are generally subjected to less regulation than banks and building societies, are currently the most trusted financial institutions. Banks and building societies can learn from how online price comparison sites focus on the speed, convenience and transparency aspects of their service.

Datamonitor interviewees recognized macro-prudential measures as a key factor in the future of regulation in the UK. A macro-prudential framework essentially looks to restrain the build up of imbalances in the financial system. One of the key ways in which this is done is through a closer relationship between the regulators and the central bank.

Key reasons to purchase this research

Gain an insight into which new regulatory measures are most likely to be introduced.
Prepare for the impact these measures will have on the future of retail banking in the UK.
Delve into the mindset of consumers as they adapt to the new retail banking environment.

TABLE OF CONTENTS :

CATALYST
SUMMARY

ANALYSIS
Datamonitor predicts the UK banking environment will remain risk-averse and conservative over the next five to ten years
Lessons can be learned from past mistakes in retail banking
The current crisis is likely to result in a significant increase in the amount of regulatory intervention
Regulators are set to impose strong and potentially cumbersome regulation on financial institutions
Each proposed regulatory reform has been scored on its likelihood of implementation
The regulatory authorities are set to bring in a raft of macro-prudential measures
Macro-prudential policy will be pushed to the forefront of new regulatory principles
Micro-prudential measures for individual institutions are high on the agenda for regulatory reforms
An overhaul of mandatory capital and liquidity ratios will restrict lending
The current regulatory reform will lead to more international cooperation on regulation
Increased regulation of cross-border activity will limit the number of foreign-based competitors in the UK
Overzealous regulation could have a damaging impact on London as a major financial center
Individual product regulation is generally seen as too distortive to be beneficial
Individual product regulation is too distortive for it to be introduced effectively
Regulators look set to come down hard on hedge funds and short sellers in an attempt to curb risk taking
The current crisis has been blamed on excessively risky activities and hedge funds look set to bear the brunt of regulation
More intrusive regulation and increased communication with consumers are other measures that regulators are keen to enforce
Intrusive, direct regulation is an important change that will have a significant impact on banks
Consumer attitudes show a fundamental change in their views towards financial services providers
Consumers are reducing the amount of credit they use
Consumers are looking to save more and cut down on their credit card spending
Consumers are aware of what they should be doing during the recession although it remains to be seen how many will reach their goals
Consumers trust online price comparison sites more than banks and building societies
The future banking environment could vary significantly depending on the extent of the new regulation that is introduced
Under a conservative scenario tight regulation makes life difficult for banks and consumers
Under a liberal scenario banks will enjoy slightly more regulatory freedom, which should be beneficial for the economy

APPENDIX
Supplementary data
Definitions
Credit default swap (CDS)
Glass-Steagall Act
Macro-prudential regulation
Micro-prudential regulation
Methodology
Further reading
Ask the analyst
Datamonitor consulting
Disclaimer

TABLES
Table: Impact of potential macro-prudential regulatory measures
Table: Impact of potential micro-prudential regulatory measures
Table: The impact of cross-border regulatory measures
Table: GFCI index of top financial centers, 2007–2009
Table: The impact of individual product regulation
Table: The impact of measures to curb excessive risk-taking activities
Table: The impact of other regulatory measures
Table: Lending to individuals, Q1 1988–Q4 1996
Table: Lending to individuals, Q1 1997–Q4 2005
Table: Lending to individuals, Q1 2006–Q3 2008
Table: Household debt as a proportion of income, 1987–2007
Table: GFCI index of top financial centers, 2007–2009

FIGURES
Figure: Total lending experienced strong growth between 1992 and 2004
Figure: Household debt as a proportion of income fell away after the recession of the early 90s
Figure: The majority of consumers do not intend to use credit to fund their lifestyle
Figure: The majority of respondents said they plan to save more in the future
Figure: The majority of respondents had saved more over the last six months
Figure: Banks and building societies rank among the most trusted financial institutions

For more please visit  http://www.bharatbook.com/Market-Research-Reports/Future-of-the-UK-Retail-Banking-Market-A-New-Landscape.html

The Egyptian banking industry, supported by the buoyant economic growth, increasing demand of consumer loans and improving consumer confidence, has shown a strong growth in the recent past. The government is also working hard to make the industry globally competitive. As a result of government’s privatization program and rapid consolidation in the banking system, asset quality of banks is improving significantly. As part of the privatization process, bad debts owed by publicly-owned companies are being paid back to state-owned banks in cash by the state prior to their sell off. Thus, ratio of non-performing loans is going down. These are the findings of our research report, “Egypt Banking Sector Analysis”.
 
 This report is an analytical study of the thriving banking industry of an emerging African country, Egypt. It evaluates the products and services offered by the Egyptian banking industry. Exploring the market development and potential, the report gives a broad overview on the Egyptian banking industry. It will help clients to identify the leading-edge opportunities critical to the success of the banking industry and help investors, financial service providers and global banking players to navigate through the market.
 
 Other Key Findings of the Research
 
 § Deposits at Egyptian banks are forecasted to grow at a CAGR of about 14% between 2008-09 and 2010-11, with household sector accounting for majority of deposits.
 § Bank loans to private business sector are forecasted to grow at a CAGR of about 9.5 during 2008-09 to 2010-11.
 § Manufacturing sector will remain the major recipient of bank loans in local as well as foreign currencies during 2007-08 to 2010-11.
 § Net interest income is projected to grow at a CAGR of over 12% during 2008-2012.
 
 Key Issues & Facts Analyzed in the Research
 
 § What makes Egypt an attractive banking destination?
 § Which banking products will see strong growth?
 § What are the prospective areas of investment for the banks in near future?
 § What are the various challenges for the industry?
 
 Key Players Evaluated in the Research
 
 This section provides business analysis of top players like National Bank of Egypt, Bank of Alexandria, Barclays Bank Egypt and BNP Paribas operating in the Egyptian banking industry.
 
 Research Methodology Used in the Research
 
 Information Sources
 Information has been sourced from various authentic sources like books, newspapers, trade journals, white papers, industry portals, government agencies, trade associations, monitoring industry news and developments, and through access to over 3000 paid databases.
 
 Analysis Methods
 
 RNCOS industry forecast and analysis is based on various macro- and microeconomic factors, sector and industry specific databases, and our in-house statistical and analytical model. This model takes into account the past and current trends in an economy, and more specifically in an industry, to bring out an objective market analysis.
 
Our industry experts study the relationship between various industry and economic variables to ensure the required accuracy and desired check on the quality of data and information given in the report.

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ICICI Bank (ICICI or ‘the company’) is a leading financial services company in India with an asset base of INR3,943.3 billion ($87.4 billion) as of March 2007. This profile offers a comprehensive review of the company’s operations and performance.

Scope of this report

Contains corporate strategy, value chain presence and SWOT Analysis
Provides detailed business description, segment analysis, 5-year financial trends, key products and key competitors
Includes information on suppliers/ partners, shareholding structure and key employees with biographies
Research and analysis highlights

ICICI is India’s second-largest bank and its largest private sector life insurer. It is ranked second amongst all the companies listed on the Indian stock exchanges in terms of free float market capitalization. The company’s leading market position gives it an edge over its competitors and a strong brand image.

The Indian economy is placed on a trajectory of high growth. India had an average GDP growth rate of 8.7% during the period 20052007. The domestic growth trends combined with the global expansion of Indian businesses present a diverse range of growth opportunities for the company.

Rural India continues to be an untapped market and presents a major growth opportunity, which the company is seeking to address through innovative products and delivery mechanisms. Its strategy is to focus on providing customized products to the segment at an affordable cost, while ensuring that its operations are sustainable.

Key reasons to read this report

Access all the important information and analysis on the company in a single report
Understand company’s strengths, weaknesses, opportunities and threats along with business strategy and value chain
Gain access to company’s adjusted five year financial data along with key ratios and market capitalization

To know more and to buy a copy of your report feel free to visit:  http://www.bharatbook.com/productdetail.asp?id=75964

Or

Contact us at:
Bharat Book Bureau
Tel: +91 22 2757 8668
Fax: +91 22 2757 9131
Email: info@bharatbook.com
Website: www.bharatbook.com
Blog: http://bharatbookresearch.blogspot.com