Millennial entrepreneurs are quickly replacing retiring Boomers. How can banks serve this huge, diverse and technology-adept audience? You’ll learn:
• The business challenges Millennials face – and the opportunity that creates for banks
• The bank transaction preferences of Millennial entrepreneurs
• Their loan application activity and experience – and the challenge for traditional banks
• Awareness and perceptions of alternative lenders
• Bank brand perceptions and switching likelihood
Payments Pulse Survey: Small Business EditionPayments Canada
Of the over one million employer businesses in Canada, 99.7 per cent represent small and medium-sized enterprises (SMEs), leaving 0.3 per cent representing large businesses. As a key economic driver, Payments Canada decided to focus a survey specifically on the payment interests of Canadian SMEs, Payments Pulse Survey: Small Business Edition.
Building on our E&Y report How can payments modernization benefit Canadian businesses? released earlier this year, we dug deeper to find out how payments systems meet SMEs’ business needs, how inefficiencies in current payments processing impact SMEs and how SMEs anticipate benefiting from a new payments system.
The introduction of new systems, rules and standards as part of Payments Canada’s Modernization program will foster a faster, safer and more data-rich payments environment. The top anticipated enhancements will come from new real-time payments, giving small businesses more choice in how they make their payments, and the adoption of the ISO 20022 data standard, which has the potential to improve automation and efficiency by increasing the data that travels with a payment.
What we heard loud and clear is that Canadian SMEs are ready for more payment options. They want more choice for their customers at point-of-sale and more options for their back-office payments to suppliers and vendors, such as e-transfers, e-wallets and the digital currencies. And of course, they want their payments to be safe and secure.
Finally, the survey found that overwhelmingly the majority of SMEs are willing to integrate new technologies into their operations to meet future payment needs.
Customer Power is a programme of research exploring the relationships that customers want to have with UK companies.
We’ve previously looked at the financial services, mobile, pay tv & energy sectors and now we are putting retail banks under the spotlight. This presentation is the first in a series of 4.
Here we look at whether consumers have the relationship they want with their bank, how it makes them feel, who the best banks are and why, and how banking compares with other sectors.
We have lots more data from this self-funded research, so if you would like to hear more, please get in touch - our contact details are included at the end.
Payments Pulse Survey: Small Business Edition (October 2019)Payments Canada
This year’s survey, which focuses on the payment trends, interests, and views of Canadian small businesses, revealed the majority of small businesses do fewer than 25 per cent of their transactions in cash but still feel obligated to accept it.
The 2019 Payments Pulse: Small Business Edition was undertaken by Leger and Payments Canada between September 17, 2019 and September 24, 2019. An online survey of 300 Canadian small business owners of companies with less than 499 employees was completed using Leger’s online panel. The margin of error for this study was +/- 5.6%, 19 times out of 20.
The second annual Payments Pulse Survey: Consumer Edition delves into the payment preferences and priorities for Canadian consumers. This year, the survey was conducted in two phases. Phase 1 served as a pulse check on trends spotted in the 2017 survey and helped inform dialogue and discussion at the Payments Canada SUMMIT – Canada’s largest payment conference, held May 9-11, 2018 in Toronto. The follow-up Phase 2 survey dove deeper into specific consumer needs and issues that emerged as hot topics at The SUMMIT, including ‘invisible payments’ and social media payments.
The third annual Payments Pulse Survey: Consumer Edition explores the payment preferences of Canadians and the forces driving the movement for innovative payment methods. The study revealed significant generational insights into Millennials and Generation Z when it comes to the way Canadians pay and what they are yearning for.
The study was conducted by Leger Marketing Inc., on behalf of Payments Canada between April 12 and April 19, 2019. An online survey of 1,564 Canadians was completed using Leger’s online panel. The margin of error for this study was +/-2.8%, 19 times out of 20.
Payments Pulse Survey: Small Business EditionPayments Canada
Of the over one million employer businesses in Canada, 99.7 per cent represent small and medium-sized enterprises (SMEs), leaving 0.3 per cent representing large businesses. As a key economic driver, Payments Canada decided to focus a survey specifically on the payment interests of Canadian SMEs, Payments Pulse Survey: Small Business Edition.
Building on our E&Y report How can payments modernization benefit Canadian businesses? released earlier this year, we dug deeper to find out how payments systems meet SMEs’ business needs, how inefficiencies in current payments processing impact SMEs and how SMEs anticipate benefiting from a new payments system.
The introduction of new systems, rules and standards as part of Payments Canada’s Modernization program will foster a faster, safer and more data-rich payments environment. The top anticipated enhancements will come from new real-time payments, giving small businesses more choice in how they make their payments, and the adoption of the ISO 20022 data standard, which has the potential to improve automation and efficiency by increasing the data that travels with a payment.
What we heard loud and clear is that Canadian SMEs are ready for more payment options. They want more choice for their customers at point-of-sale and more options for their back-office payments to suppliers and vendors, such as e-transfers, e-wallets and the digital currencies. And of course, they want their payments to be safe and secure.
Finally, the survey found that overwhelmingly the majority of SMEs are willing to integrate new technologies into their operations to meet future payment needs.
Customer Power is a programme of research exploring the relationships that customers want to have with UK companies.
We’ve previously looked at the financial services, mobile, pay tv & energy sectors and now we are putting retail banks under the spotlight. This presentation is the first in a series of 4.
Here we look at whether consumers have the relationship they want with their bank, how it makes them feel, who the best banks are and why, and how banking compares with other sectors.
We have lots more data from this self-funded research, so if you would like to hear more, please get in touch - our contact details are included at the end.
Payments Pulse Survey: Small Business Edition (October 2019)Payments Canada
This year’s survey, which focuses on the payment trends, interests, and views of Canadian small businesses, revealed the majority of small businesses do fewer than 25 per cent of their transactions in cash but still feel obligated to accept it.
The 2019 Payments Pulse: Small Business Edition was undertaken by Leger and Payments Canada between September 17, 2019 and September 24, 2019. An online survey of 300 Canadian small business owners of companies with less than 499 employees was completed using Leger’s online panel. The margin of error for this study was +/- 5.6%, 19 times out of 20.
The second annual Payments Pulse Survey: Consumer Edition delves into the payment preferences and priorities for Canadian consumers. This year, the survey was conducted in two phases. Phase 1 served as a pulse check on trends spotted in the 2017 survey and helped inform dialogue and discussion at the Payments Canada SUMMIT – Canada’s largest payment conference, held May 9-11, 2018 in Toronto. The follow-up Phase 2 survey dove deeper into specific consumer needs and issues that emerged as hot topics at The SUMMIT, including ‘invisible payments’ and social media payments.
The third annual Payments Pulse Survey: Consumer Edition explores the payment preferences of Canadians and the forces driving the movement for innovative payment methods. The study revealed significant generational insights into Millennials and Generation Z when it comes to the way Canadians pay and what they are yearning for.
The study was conducted by Leger Marketing Inc., on behalf of Payments Canada between April 12 and April 19, 2019. An online survey of 1,564 Canadians was completed using Leger’s online panel. The margin of error for this study was +/-2.8%, 19 times out of 20.
Ecs college graduate survey report finalExperian_US
College students may be about to receive their degrees but their credit education still needs some schooling. A national survey by Experian of college students graduating this year found that 69 percent of respondents will have student loan debt upon graduation. Despite the fact that most students accumulate debt, 71 percent of survey respondents said they did not learn about credit and debt management in college, giving their schools an average grade of C when it comes to preparing them to manage credit and debt after college.
Arizona small businesses want loans, but are baffled why they are still so difficult to obtain even after the recession is over. When it comes to Arizona’s banking landscape and how it directly impacts local small businesses, an eBook released today by Horizon Community Bank outlines a few key challenges that are top-of-mind in the industry and why they are happening.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Our 2012 World Retail Banking Report offers a mechanism for better understanding customers,
as well as a prescription for navigating the current terrain. Our Customer Experience Index
proved to be an effective indicator of customer loyalty, which is an essential element of retaining and
attracting customers.
Social media is the juice of humanity with people flocking on the various platforms to make connections. This is a report of how Nigerian banks are doing social
It's a Millennial World. ABA Marketing Conference 2016Kathleen Craig
Founder, Kathleen Craig, presented at the 2016 American Bankers Association Marketing conference in Nashville on #FinTech and Millennials and how the two are changing the face of banking.
Ecs college graduate survey report finalExperian_US
College students may be about to receive their degrees but their credit education still needs some schooling. A national survey by Experian of college students graduating this year found that 69 percent of respondents will have student loan debt upon graduation. Despite the fact that most students accumulate debt, 71 percent of survey respondents said they did not learn about credit and debt management in college, giving their schools an average grade of C when it comes to preparing them to manage credit and debt after college.
Arizona small businesses want loans, but are baffled why they are still so difficult to obtain even after the recession is over. When it comes to Arizona’s banking landscape and how it directly impacts local small businesses, an eBook released today by Horizon Community Bank outlines a few key challenges that are top-of-mind in the industry and why they are happening.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Our 2012 World Retail Banking Report offers a mechanism for better understanding customers,
as well as a prescription for navigating the current terrain. Our Customer Experience Index
proved to be an effective indicator of customer loyalty, which is an essential element of retaining and
attracting customers.
Social media is the juice of humanity with people flocking on the various platforms to make connections. This is a report of how Nigerian banks are doing social
It's a Millennial World. ABA Marketing Conference 2016Kathleen Craig
Founder, Kathleen Craig, presented at the 2016 American Bankers Association Marketing conference in Nashville on #FinTech and Millennials and how the two are changing the face of banking.
Delivering the Millennial Experience: How to Engage Generation YBen Puffer
2016 MCUL Lending & Marketing Conference
In 2015, Millennials surpassed Baby Boomers as the largest group of the U.S. voting population. As Boomers transition into their well-earned retirement, Millennials will take the stage as the focal group for marketers, lenders and managers. This session will explore who the Millennial Generation is, what is important to them, what they expect from credit unions and how to engage them with credit unions on multiple levels.
A Millennial’s Guide to Buying a House - Press Conference by Karir.com and R...Karir.com
Career, salary and industry solutions from the Salary Benchmark Insights 1.2 and City Survey. Presented during a press conference by Karir.com and Rumah123.com, at The Hook Cafe, Jakarta, December 14, 2016.
Understanding financial consumersretail banking, digital banking, omni-channe...CGI
More than 70% of consumers would consider switching banks for better reward services and 81% of consumers cite it as their top want. How can banks meet this demand? Read CGI’s recommendations in our bank consumer survey report http://bit.ly/1nvlQ6N
In a presentation he gave at the 2014 CAMfire Conference in Las Vegas, NV, Ben Truehart explores the past of how homeowners pay their dues, and makes a well-researched and data backed case for online payment processing for community associations.
Digital, and mobile specifically, has had a massive impact on how consumers manage their finances—that’s for sure. However, while digital and mobile bank self-service offerings are most popular, new research finds that physical bank branches remain an important touch point.
Legacy banks, credit card networks, insurance providers, etc. face disruption and downturn versus FinTech firms incubating new ways to store and transmit digital money. I offer three approaches, including partnerships, VC-style incubation, and data-led insights, as opportunities for legacy FS firms to leap ahead in this new world.
Smarter Loans Study - The State of Alternative Lending in Canada 2019Smarter_Loans
As Canada’s alternative lending industry continues to mature
Canadians are gradually becoming more comfortable
utilizing its services.
According to Smarter Loans’ “State of Alternative Lending
in Canada” 2019 Study, which gathered the feedback of
2,415 Canadian alternative lending customers, many of the
country’s providers continue to receive top marks for their
services.
Link to the study: https://smarter.loans/smarter-loans-alternative-lending-canada-study-2019.pdf
Customer Satisfaction Analysis on Online Banking Services of Southeast Bank Ltdkhan shamim
The company was in cooperated on 12 March, 1995 under the Company Act 1991 as a public company limited by shares for carrying out of all kinds of banking activities with authorized capital of Tk 15,000 million.also content are :executive summary, introduction, methodology, about the organization, theoretical framework,analysis & findings, major findings, recommendation.
Creating a Holistic Financial Experience Strategy BlendConf 2013Rikki Teeters
Big Banks have lost the trust of the people. Traditional relationships between banks and the people need to change from Sales People / Customers to Trusted Advisors / Clients. The traditional branch is not dead, it just needs to evolve. It is crucial for banks to create a Holistic Experience Strategy in order to survive in the future. The Financial Industry must stop penalizing people with fees and start adding value to their lives. It is our job to leave the industry a better place than when we found it!
Creating a Holistic Financial Experience Strategy from BlendConf 2013
Taking friction out of banking white paper - USNils Mork-Ulnes
In our white paper, ‘Taking the friction out of banking’ we research the threat from disruptive FinTech start-ups and look into designing for banking innovation with a focus on improving the digital experience for increasingly digitally-focused consumers.
Software is having an impact on everyone’s lives and we’re fascinated by its effect on user behavior. Building on our existing financial sector expertise, Beyond wanted to fully understand how people’s behavior is changing in one of the world’s oldest industries and what this change means for the future design of products and services in banking.
Small Business Adoption of EMV TechnologyIntuit Inc.
Intuit surveyed small business owners to get their perspectives on EMV technology and the upcoming liability shift.
The survey data is based on an online multiple-choice questionnaire, administered to 504 U.S. small businesses, at the owner or manager level, with 1-100 employees. The survey was fielded by Ebiquity from April 22-27, 2015; all respondents accept credit cards through mobile swipers and/or physical point of sale terminals.
Generating and Qualifying Inbound SMB LeadsBredin, Inc.
Stu Richards was recently join by Stephen Archut, Director of Product Marketing at Explorium.ai, in a special Fastcast on Generating and Qualifying Inbound SMB Leads. In this fast-paced and informative Q&A, you’ll learn:
* The media that SMBs rely on to first learn about offerings like yours
* The content formats that work best at the top of the sales funnel
* The benefits of external data
* How to develop an effective data acquisition strategy
* The most common kinds of external data
* Data integration challenges
* How to onboard external data at scale
Watch the full Fastcast recording here - https://attendee.gotowebinar.com/recording/8783854779455236866
How SMBs Research Applications and Other TechBredin, Inc.
Webcast recording: https://attendee.gotowebinar.com/recording/3477333486879196418
What applications do SMBs plan to acquire in 2022? How do they research technology solutions? Which media and influencers do they rely on? What messaging resonates most strongly? Which content formats do they prefer from vendors like you? Who conducts the research? And what is their business outlook, and the ongoing impact of the pandemic?
You’ll learn:
● SMB operational status and business outlook
● Technology purchase intent
● The information sources SMBs use to research products and services for their business
● The specific influencers, sites and publications that SMBs use to assess products and services for their business
● The benefits of new hardware or applications that are most important to SMBs
● The content formats that SMBs prefer from vendors like you at the consideration stage of the sales cycle
● Which role conducts product research for different tech product categories
● How SMBs want to work with a salesperson as they investigate new products for their business
● The effect of the pandemic on supplies, pricing, hiring and RTO
● What SMBs prefer to be called, for messaging
● How SMBs define their overall business goals
You’ll get terrific insights that you can put to work in your 2022 SMB marketing plans.
SMB Business Outlook and Spending PlansBredin, Inc.
How are SMBs faring as the pandemic persists? What is their business outlook, and what are their spending plans?
In this webinar you’ll learn:
* The SMB state of mind: business outlook, operational status, and expected time to return to ‘normal’
* SMB priorities and challenges
* Key application usage and purchase plans
* Credit usage and intent – including traditional banks vs. fintech
* Job board usage and intent – including the specific sites they plan to use
* The brands that SMBs trust most
* Key differences among respondents by company size
* How all of these have changed in the past six months
You’ll get terrific insights that you can put to work in your 2022 SMB marketing plans.
Webinar recording - https://register.gotowebinar.com/recording/2253221902084314883
SMB Business Outlook and Spending PlansBredin, Inc.
What is the SMB business outlook, and how confident are they about spending, hiring and expanding as the pandemic wanes? What are their priorities and concerns? What technology do they use, and what do they plan to buy? What are the key differences in SMB outlook and spending plans by size and country?
You’ll learn:
* The current SMB state of mind: business outlook, operational status, and expected time to return to ‘normal’
* SMB priorities and challenges
* Key application usage and purchase plans – including the specific SaaS solutions they plan to adopt
* Credit usage and intent – including traditional banks vs. fintech
* Job board usage and intent – including the specific sites they plan to use
* The tech brands that SMBs trust most
* Key differences among respondents by company size, country and more
We hope you watch the webcast recording - https://attendee.gotowebinar.com/recording/8056390393923833347
In this fast-paced and informative webcast, you’ll learn:
* The events or triggers prompt SMBs to start investigating new products or services
* Who within the SMB organization initiates product research in key categories
* Which specific information sources SMBs use to learn about products and services for their business
* The publications, newsletters, sites and blogs SMBs look to for product information
* The authors, bloggers, columnists, experts, podcasters, and social media personalities that are the most influential with SMB principals
* The content formats that work best at the awareness stage of the sales cycle
* The awareness tactics that are most likely to generate SMB leads
* The salesperson’s role in new product awareness
* The stage at which SMBs hire different roles, to help with targeting
* Key differences among respondents by company size, country and more
You’ll get actionable insights to put to work right away in your SMB sales and marketing plans.
How to Support and Engage SMBs During COVID-19Bredin, Inc.
COVID-19 has been grinding on relentlessly for ten months now, taking a heavy toll on countless small and mid-sized businesses (SMBs). 1.85 million businesses closed completely or temporarily in the second quarter, according to Oxxford; in April, the National Restaurant Association found that four in ten restaurants had already closed. Despite encouraging vaccine news, it will be months before business returns to any semblance of normal. So in the meantime, we wanted to find out how SMBs are coping – and what you can do to support and engage them effectively.
You’ll learn:
• SMB perspectives on the effect of COVID-19 on their business
• How COVID-19 has changed SMB priorities
• How SMB staffing has changed
• When SMBs will return to their workplaces
• What SMBs want vendors like you to do to help them manage through the crisis
• Which vendors have been especially helpful
• How COVID-19 has changed SMB content consumption
• What SMBs want in your content
• The effect of advisory content on acquisition and retention
• The topics SMBs want to learn about from vendors like you
The pandemic has forced many SMBs to reassess their application infrastructure to boost productivity and better support distributed teams. Selling SaaS solutions in this environment raises a number of key questions, though, such as: How familiar are SMBs with the cloud? What cloud solutions are they using? Which are they considering adopting next? What is motivating their cloud adoption? Who do they want to buy from, and what do they want from cloud solution providers?
To answer these questions – and to help you sell the cloud more effectively to SMBs – we recently surveyed 500 U.S. SMB principals.
Improving the small business banking experienceBredin, Inc.
How much do small business owners (SBOs) trust different industries, including banks, credit unions and alternative lenders? What do small businesses want from the bank relationship? What are banks doing well, and what can they do better, to improve the customer experience – and as a result, acquisition, retention and cross-sell? What kinds of credit are SBOs using – or do they plan to use – from banks and alternative lenders? How are SBO attitudes towards, and planned usage of, alternative lenders evolving?
To answer these questions, we recently surveyed 500 U.S. SBOs. There are some great learnings on what SBOs value in a lender relationship, and what you can do to enhance it.
You’ll learn:
• The SBO business outlook
• SBO trust in 26 different industries, from alternative lenders to wireless service providers
• SBO awareness of and trust in 27 leading banks
• Bank industry, and top bank, Net Promoter Scores
• What SBOs want in a bank relationship
• Where banks are under- and over-performing against SBO preferences
• Current use and providers of credit products – including business credit cards, savings and checking accounts, loans, LOCs, factoring and MCAs
• Planned use and potential providers of credit products
• How SBO attitudes towards alternative lenders have changed
• SBO usage of and satisfaction with banking apps and events
• The impact of content marketing on bank brand perception, loyalty and upsell
• How to boost awareness and trust via content marketing
You’ll get valuable insights to put to work right away in your SBO customer experience and content marketing plans.
What do SMBs plan to buy in 2020? How do they make purchase decisions – who is involved, and how long does it take in key product categories? What resources do they use to conduct product research, and make a purchase decision? What messaging resonates best with this large and diverse segment? What can vendors do to make it easier for them to buy?
To answer these questions – and more – we recently surveyed 500 U.S. SMB principals. You’ll learn:
• SMB business outlook and challenges
• What SMBs plan to buy in 2020 in major purchase categories such as tech, financial services, travel and more
• Who conducts research, and makes the purchase decision
• How long the decision-making process takes for key product categories
• The role of peers and consultants
• Purchase channel preferences
• The media that work best to engage SMBs across the sales cycle
• The messaging that works best with SMBs
• The role of content in boosting sales
How familiar are small and medium businesses (SMBs) with the cloud? What cloud solutions are they using? Which are they considering adopting next? What is motivating their cloud adoption? Who do they want to buy from, and what do they want from cloud solution providers?
To answer these questions – and to help you sell the cloud more effectively to SMBs – we recently surveyed 500 U.S. SMB principals.
In this report you’ll learn:
What keeps SMBs up at night
The terminology that works best with SMBs when discussing the cloud
The applications SMBs use today
SMB application adoption plans
Which applications SMBs use in the cloud – and their migration outlook
How freemium services drive adoption
Why SMBs adopt cloud solutions
How SMBs rank cloud benefits
The channels SMBs prefer
What SMBs want from a cloud vendor
You’ll get actionable insights to put to work in your 2020 SMB marketing plans.
How much hiring will small and midsized businesses (SMBs) do this year? What kinds of SMBs will do the most hiring? How do they find job candidates, and what do they want in a hiring service? How do they rate the services they have used? What services will they use going forward?
To answer these questions, we recently surveyed 500 U.S. SMBs. There are some terrific learnings on the SMB hiring outlook, what they want in a hiring service, who they will use in 2019 and beyond, and how you can engage and acquire SMBs.
• SMB business outlook
• How 2019 SMB hiring plans compare to 2018
• The biggest challenges SMBs have in the hiring process
• What SMBs value most in a hiring service
• The features SMBs want on hiring websites
• Usage and perception of 19 leading job search sites
• Usage of other hiring tactics, such as word of mouth
• The importance to SMBs of hiring advice
• Key differences among SMBs by hiring outlook, size, industry, growth outlook, respondent age and more
You’ll get valuable insights to put to work right away in your SMB marketing plans.
Improving the Small Business Customer ExperienceBredin, Inc.
How much do small business owners (SBOs) trust different industries, including financial services such as banking and alternative lending? What do small businesses want from the bank relationship? What are banks doing well, and what can they do better, to improve the customer experience – and as a result, acquisition, retention and cross-sell? What kinds of credit are SBOs using – or do they plan to use – from banks and alternative lenders? How are SBO attitudes towards, and planned usage of, alternative lenders evolving?
To answer these questions, we recently surveyed 500 U.S. SBOs. There are some great learnings on what SBOs value in a lender relationship, and what you can do to enhance it.
• The SBO 2019 business outlook
• SBO trust in 26 different industries, from alternative lenders to wireless service providers
• SBO awareness of and trust in 28 leading banks and over 50 alternative lenders
• Bank and alternative lender industry Net Promoter Scores
• What SBOs want in a bank relationship
• Where banks are under- and over-performing against SBO preferences
• Current use and providers of credit products – including business credit cards, savings and checking accounts, loans, LOCs, factoring and MCAs
• Planned use and potential providers of credit products
• How SBO attitudes towards alternative lenders have changed
• SBO preferred contact media
• SBO usage of and satisfaction with banking apps and events
• The impact of content marketing on bank brand perception, loyalty and upsell
• How to boost awareness and trust via content marketing
You’ll get valuable insights to put to work right away in your SBO customer experience and content marketing plans.
How many SMBs are there? What is an SMB, anyway? How are SMBs alike, and how do they differ in their business concerns and outlook? What industries are they in? How is the rate of business formation changing? What do SMBs plan to buy in 2019, and what are the most effective tactics to engage them? What messaging resonates best with this large and diverse segment?
To find out, we surveyed 500 U.S. SMB principals and compiled third-party data to provide a comprehensive overview of the SMB market.
You’ll learn:
• How SMB is defined
• How many SMBs are in each major industry
• The changing rate of business formation
• How SMBs rate their business outlook and challenges
• What SMBs plan to buy in 2019
• The media that work best with SMBs across the sales cycle
• The messaging that works best with SMBs
You’ll get valuable insights to put to work right away in your 2019 SMB marketing program.
Through every change in marketing technology, the email newsletter has remained one of the most effective tools in the SMB marketer’s kit. Because of its importance, we surveyed 500 U.S. SMB principals to better understand the role email newsletters play in today’s dynamic marketing environment.
In this SlideShare you’ll learn:
• How SMBs rate their business outlook and challenges
• The formats and topics SMBs are most interested in
• Which industries SMBs most want email newsletters from, and from which they’re already subscribed
• The content mix they prefer
• Where SMBs are most likely to subscribe to an email newsletter
• What gets SMBs to forward an email newsletter to colleagues
• The effect of an email newsletter program on awareness, brand perception and purchase propensity
You’ll get valuable insights to put to work right away in your SMB email newsletter program.
Improving the Small Business Customer ExperienceBredin, Inc.
It’s a common perception that small businesses think all banks are alike. They don’t. Their experience with, and perceptions of, different banks vary widely. And that means that the fortunes of banks serving SBOs can also vary widely.
To help you improve SBO customer experience — and as a result, acquisition, retention and revenue — we recently surveyed 500 U.S. small business principals. The findings are instructive; there are some great learnings on what SBOs want from their bank – and how they feel about your company.
SMBs are feeling pretty optimistic: 35% of them expect to grow by double digits this year, and 10% expect to grow by more than 100%. That translates into plans to invest in telecommunications services — whether to improve internet access speed or upgrade a phone system. SMBs understand what being connected — to customers, prospects, vendors, peers, remote workers, influencers, and others — means to their business.
To find out how you can boost sales to SMBs, we recently surveyed 500 U.S. SMB principals.
How to Use AI to Write a High-Quality Article that Ranksminatamang0021
In the world of content creation, many AI bloggers have drifted away from their original vision, resulting in low-quality articles that search engines overlook. Don't let that happen to you! Join us to discover how to leverage AI tools effectively to craft high-quality content that not only captures your audience's attention but also ranks well on search engines.
Disclaimer: Some of the prompts mentioned here are the examples of Matt Diggity. Please use it as reference and make your own custom prompts.
janani Digital Marketer|Digital Marketing consultant|Marketing Promotion|Coim...janudm24
Myself Janani Digital marketing consultant located in coimbatore I offer all kinds of digital marketing services for your business requirements such as SEO SMO SMM SMO CAMPAIGNS content writing web design for all your business needs with affordable cost
Digital Marketing Services | Techvolt Software :
Digital Marketing is a latest method of Marketing techniques widely used across the Globe. Digital Marketing is an online marketing technique and methods used for all products and services through Search Engine and Social media advertisements. Previously the marketing techniques were used without using the internet via direct and indirect marketing strategies such as advertising through Telemarketing,Newspapers,Televisions,Posters etc.
List of Services offered in Digital Marketing |Techvolt Software :
Techvolt Software offers best Digital Marketing services for promoting your products and services through online platform on the below methods of Digital marketing
1. Search Engine Optimization (SEO)
2. Search Engine Marketing (SEM)
3. Social Media Optimization (SMO)
4. Social Media Marketing (SMM)
5. Campaigns
Importance | Need of Digital Marketing (Online Promotions) :
1. Quick Promotions through Online
2. Generation of More leads and Business Enquiries via Search Engine and Social Media Platform
3. Latest Technology development vs Business promotions
4. Creation of Social Branding
5. Promotion with less investment
Benefits Digital Marketing Services at Techvolt software :
1. Services offered with Affordable cost
2. Free Content writing
3. Free Dynamic Website design*
4. Best combo offers on website Hosting,design along with digital marketing services
5. Assured Lead Generation through Search Engine and Social Media
6. Online Maintenance Support
Free Website + Digital Marketing Services
Techvolt Software offers Free website design for all customer and clients who is availing the digital marketing services for a minimum period of 6 months.
With Regards
Janani Digital Marketer
Coimbatore,Tamilnadu.
In the digital age, businesses are inundated with tools promising to streamline operations, enhance creativity, and boost productivity. Yet, the true key to digital transformation lies not in the accumulation of tools but in strategically integrating the right AI solutions to revolutionize workflows. Join Jordache, an experienced entrepreneur, tech strategist and AI consultant, as he explores essential AI tools across three critical categories—Ideation, Creation, and Operations—that can reshape the way your business creates, operates, and scales.This talk will guide you through the practicalities of selecting and effectively using AI tools that go beyond the basics of today’s popular tools like ChatGPT, Claude, Gemini, Midjourney, or Dall-E. For each category of tools, Jordache will address three crucial questions: What is each tool? Why is each one valuable to you as a business leader? How can you start using it in your workflow? This approach will not only clarify the role of these tools but also highlight their strategic value, making it perfect for business leaders ready to make informed decisions about integrating AI into their workflows.
Key Takeaways:
>> Strategic Selection and Integration: Understand how to select AI tools that align with your business goals and how to conceptually integrate them into your workflows to enhance efficiency and innovation.
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2. Insight Lead Gen Content Sales Support
Increasing SMB Acquisition, Engagement and Retention
2
3. Research Objective
3
Give bank marketers a current perspective on
Millennial SBO engagement preferences
• Key business challenges
• Bank transaction activities and preferences
• Loan application activity and experience
• Familiarity with and perceptions of alternative lenders
• Perceptions of their bank, and switching likelihood
• Perception of major bank brands
4. Methodology
4
Methodology
How
• 15-minute online survey
Who
• 514 principals of U.S. companies with <500 employees
• 209 with <20 employees
• 191 with 20-99 employees
• 114 with 100-500 employees
• Any industry
• See slides 27-31 for participant demographics
When
• September 22 – October 2, 2014
1
2
3
6. 0% 10% 20% 30% 40% 50% 60% 70%
Lack of education / resources to run a small business
Obtaining a loan / getting funding for my business
Retaining current customers
Retaining good employees
Managing costs
Having enough money to pay our bills
Staying in business
Dealing with government regulations
Finding good employees
Developing new products and services
Dealing with competition
Finding new customers
Millennials
All others
On a scale of 1 (not at all important / challenging) to 5 (very important / challenging), please
rate each of these business challenges:
Managing a business is more challenging for Millennials
Business Challenges
6
Top-two box
n=466
*significant difference
*
*
*
*
*
*
*
7. Please indicate if you have done any of these bank transactions for your business in the past
12 months: (select all that apply)
Bank Transactions
7
Millennials are “online lite” and ATM- and banker-heavy
0% 10% 20% 30% 40% 50% 60% 70% 80%
Made a mobile payment
Used phone banking
Used mobile banking
Met with a banker
Used an ATM
Made an online payment
Used online banking
Visited a bank branch
Millennials
All others
n=459
*significant difference
*
*
*
8. In
person
at a
branch
In
person
at an
ATM
Email Mail
On the
phone
(e.g.,
calling
customer
service)
On my
computer
(desktop,
laptop)
On my
smart-
phone,
through my
bank’s
mobile app
On my
smart-
phone’s
mobile
web
browser
On my
tablet (e.g.,
an iPad),
through my
bank’s
mobile app
On my
tablet’s
mobile
web
browser
Access banking
information, e.g.,
account balances
30%*
21%
9%*
4%
8%
5%
5%
2%
3%
4%
30%*
52%
5%
9%
2%
1%
6%
2%
2%
1%
Apply for a loan
50%*
62%
11%*
4%
8%*
3%
4%
2%
9%*
3%
13%
20%
1%
3%
2%
0%
1%
1%
2%
1%
Ask about a fee or
service charge
24%
31%
8%*
1%
18%*
11%
4%
2%
25%
28%
12%
19%
4%
4%
2%
2%
2%
2%
2%
0%
Change / update
account information
22%
28%
9%
2%
9%
5%
8%
*
3%
9%
5%
34%*
46%
3%
6%
1%
2%
3%
2%
2%
2%
Deposit cash
43%*
65%
20%
18%
9%*
2%
4%
2%
9%*
2%
11%
6%
1%
2%
1%
2%
5%*
1%
1%
0%
Deposit checks
43%*
59%
21%
14%
6%
3%
2%
2%
2%
2%
15%*
7%
2%*
10%
2%
1%
0%
1%
2%
1%
Open or close an
account
45%*
66%
11%*
2%
5%
3%
5%
2%
7%
3%
16%
16%
5%
5%
2%
1%
2%
1%
2%
1%
Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row):
Transaction Preferences
8
n=514
*significant difference
Millennials
All others
9. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row):
Transaction Preferences, continued
9
Millennials
All others
In
person
at a
branch
In
person
at an
ATM
Email Mail
On the
phone
(e.g.,
calling
customer
service)
On my
computer
(desktop,
laptop)
On my
smart-
phone,
through
my bank’s
mobile
app
On my
smart-
phone’s
mobile
web
browser
On my
tablet (e.g.,
an iPad),
through my
bank’s
mobile app
On my
tablet’s
mobile
web
browser
Pay bills
20%
14%
8%*
1%
5%
5%
9%
11%
5%
3%
37%*
54% *
6%
6%
5%
2%
5%
4%
2%
0%
Receive
statements
14%
11%
5%*
2%
19%
13%
13%*
24%
6%
3%
26%*
38%
6%
4%
2%
2%
6%
2%
2%
1%
Receive alerts
12%
10%
10%*
1%
20%
25%
4%
6%
9%
4%
23%
31%
10%
15%
5%
4%
3%
2%
4%
1%
Report a problem
23%
30%
6%*
1%
18%*
8%
2%
3%
18%
24%
19%
22%
4%
6%
3%
1%
4%
4%
2%
1%
Send / receive
wires
23%
30%
7%
2%
13%
8%
5%
4%
9%
5%
28%
38%
5%
6%
3%
3%
4%
3%
2%
1%
Transfer funds
between accounts
19%
22%
8%*
2%
10%*
4%
3%
3%
9%
6%
32%*
48%
8%
8%
2%
2%
5%
3%
3%
1%
Withdraw funds
25%*
47%
34%*
24%
9%*
4%
3%
2%
5%*
1%
13%
15%
4%
3%
3%
1%
4%
2%
1%
1%
n=514
*significant difference
10. Have you applied for a loan or line of credit for your business in the past three years?
Loan Application
10
Millennials are disproportionately likely to have applied for a loan
24%
44%
76%
56%
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
All others
Millennials
Yes
No
n=463
*statistical significance
**
11. (if yes) Who did you apply with? (select all that apply)
Loan Sources
11
Millennials are similar to older SBOs in loan sourcing
0% 10% 20% 30% 40% 50% 60% 70% 80% 90%
Alternative (also called “branchless”) business
lender like Biz2Credit, CAN Capital, Kabbage or
OnDeck Capital
Credit union
Traditional bank
Millennials
All others
n=135
12. (if yes) Was your loan approved?
Application Approval
12
Loan approval is identical regardless of SBO age
(if yes) By whom?
96%
96%
4%
4%
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
All others
Millennials
Yes
No
n=135
0% 10% 20% 30% 40% 50% 60% 70% 80% 90%
Alternative lender
Credit union
Traditional bank
Millennials
All others
n=131
13. On a scale of 1 (very dissatisfied) to 5 (very satisfied), how satisfied were you with the
process?
Loan Application Process
13
Millennials are slightly more satisfied with the loan application process
0% 10% 20% 30% 40% 50% 60%
1 (very dissatisfied)
2
3 (neither satisfied nor dissatisfied)
4
5 (very satisfied)
Millennials
All others
n=132
14. Do you plan to apply for a loan or line of credit for your business in the next year?
Lending Outlook
14
Millennial SBOs are significantly more likely to apply for a loan next year
20%
33%
80%
67%
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
All others
Millennials
Yes
No
n=457
*statistical significance
* *
15. (if yes) Who will you apply with? (select all that apply)
Loan Sources
15
Millennials are more likely to apply to a credit union
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
Alternative lender
Credit union
Traditional bank
Millennials
All others
n=104
*
*
16. 0% 10% 20% 30% 40% 50% 60% 70% 80%
Loan approval process time is too long
Don’t think my business would be approved for a
loan
Cost of credit is too high
Don’t want to take on debt
Don’t need financing
Millennials
All others
(if no) Why do you not plan to apply for a loan? (select all that apply)
Status Quo Rationale
16
Lack of perceived need is the biggest obstacle to loan application, regardless of age
n=347
17. On a scale of 1 (not at all familiar) to 5 (very familiar), please rate how familiar are you with
alternative business lenders like Biz2Credit, CAN Capital, Kabbage and OnDeck Capital.
Alternative Lenders: Awareness
17
Millennial SBOs are more familiar with alternative lenders
0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50%
1 (not at all familiar)
2
3 (somewhat familiar)
4
5 (very familiar)
Millennials
All others
n=463
*statistical significance
*
*
18. (if 3, 4 or 5 on previous Q) On a scale of 1 (strongly disagree) to 5 (strongly agree), please
rate each of these statements about alternative business lenders:
Alternative Lenders: Perception
18
Millennial SBOs are more positively disposed towards alternative lenders
0% 10% 20% 30% 40% 50% 60% 70% 80%
Their loan approval process is much faster than
traditional banks
They use different criteria than traditional banks to
assess my business, and therefore have a better
understanding of my business
They are more likely to approve my loan
application than traditional banks
They are more convenient than traditional banks
Their loan approval process is much simpler than
traditional banks
Even though the interest rate may be higher,
alternative lenders are worthwhile because of the
convenience
Millennials
All others
Top-two box
n=213
*statistical significance
*
*
*
19. On a scale of 1 (strongly disagree) to 5 (strongly agree), please rate the following statements:
Bank Perceptions
19
Millennials are generally happy with their banking relationship
0% 20% 40% 60% 80%
I am likely to switch banks within the next 12 months
I would rather go to the dentist than my bank branch
In five years, I won’t need a bank at all
I would prefer to do all my banking / financial transactions with a
company like Google or Apple instead of my current bank
I would consider switching to a branchless bank
I would be just as happy to do all my banking / financial
transactions with a company like Google or Apple as my current…
My bank doesn’t offer anything different than any other bank
Financial services innovation will come from outside the banking
industry
In five years, the way I do my banking / financial transactions will
be totally different
I use my bank’s mobile app
I would recommend my bank to peers
I am happy with my bank
Millennials
All others
Top-two box
n=467
*statistical
significance
*
*
*
*
*
*
*
*
*
*
20. (if likely to switch) Why are you likely to switch banks in the next 12 months?
Switching Drivers
20
Fees and service are common switching drivers
Millennials:
All others:
21. If switching was no problem, which company or kind of company would you most like to do
your business banking with?
Preferred FIs
21
Millennials generally prefer to stay with their bank
0% 10% 20% 30% 40% 50% 60% 70% 80% 90%
An alternative business lender like Biz2Credit,
CAN Capital, Kabbage or OnDeck Capital
A company like Amazon, Apple, Google, PayPal
or Square
Another bank
My current bank
Millennials
All others
n=467
22. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Brand Perception
Bank of America
**
*
0%
10%
20%
30%
40%
50%
60%
70%
80%
0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50%
Union Bank
UPS
Ratedfavorable(toptwobox)
Top rated/familiar Top rated/unfamiliar
Low rated/unfamiliarLow rated/familiar
PayPal
eBay
FedEx
Microsoft
Office Depot
AT&T Sony
HP
Verizon
Apple
Wells Fargo
Chase Bank
Capital One
Sam’s Club
Citibank
IBM
Dell
Sprint
Comcast
LinkedIn
Cisco
American Express
OPEN
Charles Schwab
Citizens Bank
HSBC
U.S. Bank
Lenovo
Fidelity Investments
Intuit
BB&T
PNC Bank
Regions Bank
CenturyLink
Charter Communications
SunTrust Bank
Fifth Third Bank
Symantec
TD Bank
Cablevision
M&T Bank
Key Bank
Biz2Credit
Ally Bank
BMO
Kabbage
CAN Capital
OnDeck Capital
Google
Salesforce.com
Staples
Facebook
Twitter
Cox
Unfamiliar with brand
23. Major Bank Brand Perceptions
23
Millennial SBOs generally see large bank brands more favorably
0% 10% 20% 30% 40% 50% 60%
M&T Bank
Key Bank
Fifth Third Bank
BMO
SunTrust Bank
Regions Bank
Ally Bank
Union Bank
TD Bank
HSBC
PNC Bank
BB&T
Citizens Bank
U.S. Bank
Citibank
Capital One
Chase Bank
Wells Fargo
Bank of America
Millennials
All others
Top-two box
n=467
*statistical significance
*
*
*
*
*
*
*
*
24. What would it take to get you to improve your perception of banks in general?
Bank Brand Improvement
24
Fees and service are the biggest areas for improvement
Millennials:
All others:
25. Your To-Do’s
25
Educate Millennial SBOs on the benefits of financing
Provide integrated multichannel access - however don’t ignore ATMs
and bankers
✔
✔
✔
✔
Stu Richards, CEO
stu@bredin.com
Twitter: @SBDF
Use content marketing to develop an advisory relationship and
strengthen brand perception
✔
Demonstrate Seacoast Bank’s commitment to innovation
Emphasize Seacoast Bank’s advantages vs. credit unions and
alternative lenders
29. 29%
26%
45% <5 years
6-10 years
10+ years
40%
37%
22% 1-19 employees
20-99 employees
100-500 employees
Sample Characteristics
29
Company
Size
Years in Business
n= 521
n= 503
30. 2% 4%
25%
42%
25%
Down 10% or more
Down, by less than 10%
Same as 2014
Up by 10% or more
Up, by less than 10%
36%
30%
34% No Growth
Slow Growth
Fast Growth
17%
30%46%
6%
$2,500,000 to $10,000,000
$500,000 to $2,499,999
Less than $500,000
More than $10,000,000
Sample Characteristics
30
2013
revenue
2015 revenue
growth
2014 revenue
outlook
n= 515
= flat or down vs. 2013
= <10% growth vs. 2013
= >10% growth vs. 2013
n= 514
n= 520
34. On a scale of 1 (not at all important / challenging) to 5 (very important / challenging), please
rate each of these business challenges:
Business Challenges
34
35. Please indicate if you have done any of these bank transactions for your business in the past
12 months: (select all that apply)
Bank Transactions
35
36. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Access banking information, e.g., account balances
Transaction Preferences
36
37. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Apply for a loan
Transaction Preferences, continued
37
38. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Ask about a fee or service charge
Transaction Preferences, continued
38
39. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Change / update account information
Transaction Preferences, continued
39
40. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Deposit cash
Transaction Preferences, continued
40
41. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Deposit checks
Transaction Preferences, continued
41
42. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Open or close an account
Transaction Preferences, continued
42
43. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Pay bills
Transaction Preferences, continued
43
44. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Receive statements
Transaction Preferences, continued
44
45. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Receive alerts
Transaction Preferences, continued
45
46. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Report a problem
Transaction Preferences, continued
46
47. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Send / receive wires
Transaction Preferences, continued
47
48. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Transfer funds between accounts
Transaction Preferences, continued
48
49. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Withdraw funds
Transaction Preferences, continued
49
50. Have you applied for a loan or line of credit for your business in the past three years?
Loan Application
50
(if yes) Who did you apply with? (select all that apply)
Loan Sources
51. (if yes) Was your loan approved?
Application Approval
51
(if yes) By whom?
52. On a scale of 1 (very dissatisfied) to 5 (very satisfied), how satisfied were you with the
process?
Loan Application Process
52
53. Do you plan to apply for a loan or line of credit for your business in the next year?
Lending Outlook
53
(if yes) Who will you apply with? (select all that apply)
Loan Sources
54. (if no) Why do you not plan to apply for a loan? (select all that apply)
Status Quo Rationale
54
55. On a scale of 1 (not at all familiar) to 5 (very familiar), please rate how familiar are you with
alternative business lenders like Biz2Credit, CAN Capital, Kabbage and OnDeck Capital?
Alternative Lenders: Awareness
55
56. (if 3, 4 or 5 on previous Q) On a scale of 1 (strongly disagree) to 5 (strongly agree), please
rate each of these statements about alternative business lenders:
Alternative Lenders: Perception
56
57. On a scale of 1 (strongly disagree) to 5 (strongly agree), please rate the following statements:
Bank Perceptions
57
58. If switching was no problem, which company or kind of company would you most like to do
your business banking with?
Preferred FIs
58
59. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception
59
60. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
60
61. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
61
62. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
62
63. Section 2: 2014 Growth
36%
30%
34% No Growth
Slow Growth
Fast Growth
= flat or down vs. 2013
= <10% growth vs. 2013
= >10% growth vs. 2013
n= 514
64. On a scale of 1 (not at all important / challenging) to 5 (very important / challenging), please
rate each of these business challenges:
Business Challenges
64
65. Please indicate if you have done any of these bank transactions for your business in the past
12 months: (select all that apply)
Bank Transactions
65
66. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Access banking information, e.g., account balances
Transaction Preferences
66
67. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Apply for a loan
Transaction Preferences, continued
67
68. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Ask about a fee or service charge
Transaction Preferences, continued
68
69. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Change / update account information
Transaction Preferences, continued
69
70. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Deposit cash
Transaction Preferences, continued
70
71. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Deposit checks
Transaction Preferences, continued
71
72. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Open or close an account
Transaction Preferences, continued
72
73. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Pay bills
Transaction Preferences, continued
73
74. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Receive statements
Transaction Preferences, continued
74
75. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Receive alerts
Transaction Preferences, continued
75
76. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Report a problem
Transaction Preferences, continued
76
77. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Send / receive wires
Transaction Preferences, continued
77
78. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Transfer funds between accounts
Transaction Preferences, continued
78
79. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Withdraw funds
Transaction Preferences, continued
79
80. Have you applied for a loan or line of credit for your business in the past three years?
Loan Application
80
(if yes) Who did you apply with? (select all that apply)
Loan Sources
81. (if yes) Was your loan approved?
Application Approval
81
(if yes) By whom?
82. On a scale of 1 (very dissatisfied) to 5 (very satisfied), how satisfied were you with the
process?
Loan Application Process
82
83. Do you plan to apply for a loan or line of credit for your business in the next year?
Lending Outlook
83
(if yes) Who will you apply with? (select all that apply)
Loan Sources
84. (if no) Why do you not plan to apply for a loan? (select all that apply)
Status Quo Rationale
84
85. On a scale of 1 (not at all familiar) to 5 (very familiar), please rate how familiar are you with
alternative business lenders like Biz2Credit, CAN Capital, Kabbage and OnDeck Capital?
Alternative Lenders: Awareness
85
86. (if 3, 4 or 5 on previous Q) On a scale of 1 (strongly disagree) to 5 (strongly agree), please
rate each of these statements about alternative business lenders:
Alternative Lenders: Perception
86
87. On a scale of 1 (strongly disagree) to 5 (strongly agree), please rate the following statements:
Bank Perceptions
87
88. If switching was no problem, which company or kind of company would you most like to do
your business banking with?
Preferred FIs
88
89. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception
89
90. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
90
91. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
91
92. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
92
94. On a scale of 1 (not at all important / challenging) to 5 (very important / challenging), please
rate each of these business challenges:
Business Challenges
94
95. Please indicate if you have done any of these bank transactions for your business in the past
12 months: (select all that apply)
Bank Transactions
95
96. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Access banking information, e.g., account balances
Transaction Preferences
96
97. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Apply for a loan
Transaction Preferences, continued
97
98. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Ask about a fee or service charge
Transaction Preferences, continued
98
99. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Change / update account information
Transaction Preferences, continued
99
100. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Deposit cash
Transaction Preferences, continued
100
101. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Deposit checks
Transaction Preferences, continued
101
102. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Open or close an account
Transaction Preferences, continued
102
103. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Pay bills
Transaction Preferences, continued
103
104. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Receive statements
Transaction Preferences, continued
104
105. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Receive alerts
Transaction Preferences, continued
105
106. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Report a problem
Transaction Preferences, continued
106
107. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Send / receive wires
Transaction Preferences, continued
107
108. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Transfer funds between accounts
Transaction Preferences, continued
108
109. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Withdraw funds
Transaction Preferences, continued
109
110. Have you applied for a loan or line of credit for your business in the past three years?
Loan Application
110
(if yes) Who did you apply with? (select all that apply)
Loan Sources
111. (if yes) Was your loan approved?
Application Approval
111
(if yes) By whom?
112. On a scale of 1 (very dissatisfied) to 5 (very satisfied), how satisfied were you with the
process?
Loan Application Process
112
113. Do you plan to apply for a loan or line of credit for your business in the next year?
Lending Outlook
113
(if yes) Who will you apply with? (select all that apply)
Loan Sources
114. (if no) Why do you not plan to apply for a loan? (select all that apply)
Status Quo Rationale
114
115. On a scale of 1 (not at all familiar) to 5 (very familiar), please rate how familiar are you with
alternative business lenders like Biz2Credit, CAN Capital, Kabbage and OnDeck Capital?
Alternative Lenders: Awareness
115
116. (if 3, 4 or 5 on previous Q) On a scale of 1 (strongly disagree) to 5 (strongly agree), please
rate each of these statements about alternative business lenders:
Alternative Lenders: Perception
116
117. On a scale of 1 (strongly disagree) to 5 (strongly agree), please rate the following statements:
Bank Perceptions
117
118. If switching was no problem, which company or kind of company would you most like to do
your business banking with?
Preferred FIs
118
119. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception
119
120. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
120
121. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
121
122. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
122
124. On a scale of 1 (not at all important / challenging) to 5 (very important / challenging), please
rate each of these business challenges:
Business Challenges
124
125. Please indicate if you have done any of these bank transactions for your business in the past
12 months: (select all that apply)
Bank Transactions
125
126. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Access banking information, e.g., account balances
Transaction Preferences
126
127. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Apply for a loan
Transaction Preferences, continued
127
128. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Ask about a fee or service charge
Transaction Preferences, continued
128
129. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Change / update account information
Transaction Preferences, continued
129
130. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Deposit cash
Transaction Preferences, continued
130
131. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Deposit checks
Transaction Preferences, continued
131
132. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Open or close an account
Transaction Preferences, continued
132
133. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Pay bills
Transaction Preferences, continued
133
134. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Receive statements
Transaction Preferences, continued
134
135. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Receive alerts
Transaction Preferences, continued
135
136. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Report a problem
Transaction Preferences, continued
136
137. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Send / receive wires
Transaction Preferences, continued
137
138. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Transfer funds between accounts
Transaction Preferences, continued
138
139. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Withdraw funds
Transaction Preferences, continued
139
140. Have you applied for a loan or line of credit for your business in the past three years?
Loan Application
140
(if yes) Who did you apply with? (select all that apply)
Loan Sources
141. (if yes) Was your loan approved?
Application Approval
141
(if yes) By whom?
142. On a scale of 1 (very dissatisfied) to 5 (very satisfied), how satisfied were you with the
process?
Loan Application Process
142
143. Do you plan to apply for a loan or line of credit for your business in the next year?
Lending Outlook
143
(if yes) Who will you apply with? (select all that apply)
Loan Sources
144. (if no) Why do you not plan to apply for a loan? (select all that apply)
Status Quo Rationale
144
145. On a scale of 1 (not at all familiar) to 5 (very familiar), please rate how familiar are you with
alternative business lenders like Biz2Credit, CAN Capital, Kabbage and OnDeck Capital?
Alternative Lenders: Awareness
145
146. (if 3, 4 or 5 on previous Q) On a scale of 1 (strongly disagree) to 5 (strongly agree), please
rate each of these statements about alternative business lenders:
Alternative Lenders: Perception
146
147. On a scale of 1 (strongly disagree) to 5 (strongly agree), please rate the following statements:
Bank Perceptions
147
148. If switching was no problem, which company or kind of company would you most like to do
your business banking with?
Preferred FIs
148
149. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception
149
150. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
150
151. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
151
152. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
152
154. On a scale of 1 (not at all important / challenging) to 5 (very important / challenging), please
rate each of these business challenges:
Business Challenges
154
155. Please indicate if you have done any of these bank transactions for your business in the past
12 months: (select all that apply)
Bank Transactions
155
156. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Access banking information, e.g., account balances
Transaction Preferences
156
157. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Apply for a loan
Transaction Preferences, continued
157
158. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Ask about a fee or service charge
Transaction Preferences, continued
158
159. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Change / update account information
Transaction Preferences, continued
159
160. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Deposit cash
Transaction Preferences, continued
160
161. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Deposit checks
Transaction Preferences, continued
161
162. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Open or close an account
Transaction Preferences, continued
162
163. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Pay bills
Transaction Preferences, continued
163
164. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Receive statements
Transaction Preferences, continued
164
165. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Receive alerts
Transaction Preferences, continued
165
166. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Report a problem
Transaction Preferences, continued
166
167. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Send / receive wires
Transaction Preferences, continued
167
168. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Transfer funds between accounts
Transaction Preferences, continued
168
169. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Withdraw funds
Transaction Preferences, continued
169
170. Have you applied for a loan or line of credit for your business in the past three years?
Loan Application
170
(if yes) Who did you apply with? (select all that apply)
Loan Sources
171. (if yes) Was your loan approved?
Application Approval
171
(if yes) By whom?
172. On a scale of 1 (very dissatisfied) to 5 (very satisfied), how satisfied were you with the
process?
Loan Application Process
172
173. Do you plan to apply for a loan or line of credit for your business in the next year?
Lending Outlook
173
(if yes) Who will you apply with? (select all that apply)
Loan Sources
174. (if no) Why do you not plan to apply for a loan? (select all that apply)
Status Quo Rationale
174
175. On a scale of 1 (not at all familiar) to 5 (very familiar), please rate how familiar are you with
alternative business lenders like Biz2Credit, CAN Capital, Kabbage and OnDeck Capital?
Alternative Lenders: Awareness
175
176. (if 3, 4 or 5 on previous Q) On a scale of 1 (strongly disagree) to 5 (strongly agree), please
rate each of these statements about alternative business lenders:
Alternative Lenders: Perception
176
177. On a scale of 1 (strongly disagree) to 5 (strongly agree), please rate the following statements:
Bank Perceptions
177
178. If switching was no problem, which company or kind of company would you most like to do
your business banking with?
Preferred FIs
178
179. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception
179
180. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
180
181. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
181
182. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
182
183. Section 6: Industry
PS: (Educational services, Finance & insurance, Health care &
social assistance, Information technology, Management of
companies & enterprises, Professional services)
RW: (Accommodation & food service, Arts, entertainment &
recreation, Real estate, rental & leasing, Retail trade,
Transportation & warehousing, Wholesale Trade)
M: (Construction, Manufacturing, Mining, Scientific &
technical services, Utilities)
Other: (Administrative, support, waste management &
remediation service, Other services (except public
administration)
n=508
40%
29%
19%
12%
184. On a scale of 1 (not at all important / challenging) to 5 (very important / challenging), please
rate each of these business challenges:
Business Challenges
184
185. Please indicate if you have done any of these bank transactions for your business in the past
12 months: (select all that apply)
Bank Transactions
185
186. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Access banking information, e.g., account balances
Transaction Preferences
186
187. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Apply for a loan
Transaction Preferences, continued
187
188. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Ask about a fee or service charge
Transaction Preferences, continued
188
189. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Change / update account information
Transaction Preferences, continued
189
190. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Deposit cash
Transaction Preferences, continued
190
191. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Deposit checks
Transaction Preferences, continued
191
192. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Open or close an account
Transaction Preferences, continued
192
193. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Pay bills
Transaction Preferences, continued
193
194. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Receive statements
Transaction Preferences, continued
194
195. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Receive alerts
Transaction Preferences, continued
195
196. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Report a problem
Transaction Preferences, continued
196
197. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Send / receive wires
Transaction Preferences, continued
197
198. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Transfer funds between accounts
Transaction Preferences, continued
198
199. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Withdraw funds
Transaction Preferences, continued
199
200. Have you applied for a loan or line of credit for your business in the past three years?
Loan Application
200
(if yes) Who did you apply with? (select all that apply)
Loan Sources
201. (if yes) Was your loan approved?
Application Approval
201
(if yes) By whom?
202. On a scale of 1 (very dissatisfied) to 5 (very satisfied), how satisfied were you with the
process?
Loan Application Process
202
203. Do you plan to apply for a loan or line of credit for your business in the next year?
Lending Outlook
203
(if yes) Who will you apply with? (select all that apply)
Loan Sources
204. (if no) Why do you not plan to apply for a loan? (select all that apply)
Status Quo Rationale
204
205. On a scale of 1 (not at all familiar) to 5 (very familiar), please rate how familiar are you with
alternative business lenders like Biz2Credit, CAN Capital, Kabbage and OnDeck Capital?
Alternative Lenders: Awareness
205
206. (if 3, 4 or 5 on previous Q) On a scale of 1 (strongly disagree) to 5 (strongly agree), please
rate each of these statements about alternative business lenders:
Alternative Lenders: Perception
206
207. On a scale of 1 (strongly disagree) to 5 (strongly agree), please rate the following statements:
Bank Perceptions
207
208. If switching was no problem, which company or kind of company would you most like to do
your business banking with?
Preferred FIs
208
209. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception
209
210. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
210
211. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
211
212. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
212
214. On a scale of 1 (not at all important / challenging) to 5 (very important / challenging), please
rate each of these business challenges:
Business Challenges
214
215. Please indicate if you have done any of these bank transactions for your business in the past
12 months: (select all that apply)
Bank Transactions
215
216. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Access banking information, e.g., account balances
Transaction Preferences
216
217. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Apply for a loan
Transaction Preferences, continued
217
218. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Ask about a fee or service charge
Transaction Preferences, continued
218
219. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Change / update account information
Transaction Preferences, continued
219
220. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Deposit cash
Transaction Preferences, continued
220
221. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Deposit checks
Transaction Preferences, continued
221
222. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Open or close an account
Transaction Preferences, continued
222
223. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Pay bills
Transaction Preferences, continued
223
224. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Receive statements
Transaction Preferences, continued
224
225. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Receive alerts
Transaction Preferences, continued
225
226. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Report a problem
Transaction Preferences, continued
226
227. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Send / receive wires
Transaction Preferences, continued
227
228. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Transfer funds between accounts
Transaction Preferences, continued
228
229. Please select the way you would most like to conduct each of these bank transactions for your
business (select one option in each row): Withdraw funds
Transaction Preferences, continued
229
230. Have you applied for a loan or line of credit for your business in the past three years?
Loan Application
230
(if yes) Who did you apply with? (select all that apply)
Loan Sources
231. (if yes) Was your loan approved?
Application Approval
231
(if yes) By whom?
232. On a scale of 1 (very dissatisfied) to 5 (very satisfied), how satisfied were you with the
process?
Loan Application Process
232
233. Do you plan to apply for a loan or line of credit for your business in the next year?
Lending Outlook
233
(if yes) Who will you apply with? (select all that apply)
Loan Sources
234. (if no) Why do you not plan to apply for a loan? (select all that apply)
Status Quo Rationale
234
235. On a scale of 1 (not at all familiar) to 5 (very familiar), please rate how familiar are you with
alternative business lenders like Biz2Credit, CAN Capital, Kabbage and OnDeck Capital?
Alternative Lenders: Awareness
235
236. (if 3, 4 or 5 on previous Q) On a scale of 1 (strongly disagree) to 5 (strongly agree), please
rate each of these statements about alternative business lenders:
Alternative Lenders: Perception
236
237. On a scale of 1 (strongly disagree) to 5 (strongly agree), please rate the following statements:
Bank Perceptions
237
238. If switching was no problem, which company or kind of company would you most like to do
your business banking with?
Preferred FIs
238
239. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception
239
240. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
240
241. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
241
242. On a scale of 1 (very unfavorable) to 5 (very favorable), how do you feel about each of these
companies?
Bank vs. Nonbank Brand Perception, continued
242