Head of Insight - Banking and General Insurance. Outline and discuss the key issues impacting the 2016 Ratings
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1 206 Ratings roundtable meetings Current Accounts Hosted by Brian Brown Head of Insight - Banking and General Insurance Purpose Outline and discuss the key issues impacting the 206 Ratings Get your feedback in order to finalise the criteria outlined in the discussion paper(s)
2 Agenda About Defaqto Ratings Key developments and trends Outline and discuss key issues Additional Q&A Next steps in the Ratings process About Defaqto Ratings Outcomes Outcomes Better financial decisions Simplify decision making Based on a promise Process Process Open and transparent methodology Relevant Stringent and consistent Values Values 00% independent Rate propositions not providers Rate all propositions in any given market 2
3 Number of Accounts 6/09/205 Key trends and developments Little change in the provider market this year - Rise from 30 to 37 current account providers in the past 3 years - Only one new current account provider (Virgin Money) since June potential applicants in discussion with the FCA (Jul 205) but many are likely to be savings rather than current account led - No obvious movement in the overall types or quality of account on offer Savings still key area for account competition - Relatively good rates on offer at low saving levels 40 Interest offered by Standard Current Accounts (Out of 35 accounts, as at June 205) Over 2% Up to 2% Up to.5% Up to.0% Up to 0.5% ,000 2,500 5,000 0,000 3
4 Rate-driven current accounts Context Current accounts still paying better rates than many cash ISAs Providers gaming the interest rate tiers to attract customers Implications for the 206 Ratings process No proposals to change any rating criteria for 206 Treat monthly cashback rewards equally between products Key points for discussion Importance of interest rates in current accounts Treatment of cashback/cash reward incentives Predicted BoE base rate change in early 206 Regulatory developments Current Account Switching Service - Running at c. 85,000 switches per month - Only 3% of customers switching per year (GfK research for the CMA) - FCA (Mar 205) found: - a small uplift of 22% compared to switching volumes under the previous process - some limited changes in provider behaviour, particularly in relation to the development of current account products - The FCA has asked the Payment Services Regulator (PSR) to consider Account Number Portability (ANP) as part of their work 4
5 Regulatory developments FCA review of sale of add-on products - Initially expected an impact on common current account add-ons such as travel insurance, breakdown cover, mobile phone insurance, etc. - FCA considering excluding some products from the scope of its price/value remedies, in particular general insurance sold as part of a packaged bank account - Still want to find a way of shining a light on poor value in this market (FCA, June 205) - No obvious impact as yet on the structure or inclusion of add-ons to current accounts Total number of accounts increasing - More availability of Control Accounts - More account options/increasing menu approach UK Current Accounts by type (no. of accounts) Standard Added Value Premier
6 Product Design Context Unclear what price/value measures the FCA will settle on for current account add-ons Increasing availability of Control as an optional on/off switched feature Implications for the 206 Ratings process Addition of Control availability and monthly cost as rating criteria in Standard, Added Value and Premier Accounts Key points for discussion Timing of introduction of any FCA changes and likely impact Importance of Control to customers as a cost protection feature Ongoing market developments Other considerations - Development of cashback or reward incentives (e.g. Barclays Blue Rewards option) - New contactless payment systems such as ApplePay and SamsungPay - Availability of MiData information downloads for switching purposes 6
7 Mobile & new technology Context Drive to get customers to use paperless banking Rapid growth in mobile banking usage Rise of contactless payments services Implications for the 206 Ratings process Addition of Faster Payments Service and Mobile App as a core criteria for 5 and 4 Star Ratings Addition of Midata Download to Switching ratings Key points for discussion Move to paperless banking any considerations that impact on our ratings? Take-up and importance of contactless should we rate on methods available? Additional Q&A 7
8 Thank you 8
9 Up next 9
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