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In this episode of The nestegg Podcast, host Maja checks in with our three experts to discuss this week’s biggest conversations about super, property and investment.

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Steve Waters, director of Right Property Group, talks about the current market and its growth prospects, hinting at a “revenge spend” period post-lockdown. Could property prices really inflate by a further 20 per cent?

Meanwhile, RMIT’s senior lecturer of finance, Dr Angel Zhong, talks about the earning season and dividends, delving into how companies decide distribution policy. Find out what is happening in the recent dividend announcements.

Last but not least, tax and super guru Timothy Munro talks us through the results of APRA’s inaugural super test and how engaged members should really be with their super. Timothy also touches on the super splitting law and what it means for relationship breakdowns.

Have a question for our experts? Get in touch at [email protected] and you might get featured in the next episode.

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Retirement

Non-major banks attracting millions of Aussies from the big four

By Eliot Hastie

January 10 2019
Share

Retirement

Non-major banks attracting millions of Aussies from the big four

By Eliot Hastie
January 10 2019

Over two million Aussies, many of which are big four bank customers, are looking towards new banking providers, new research has found.

Non-major banks attracting millions of Aussies from the big four

By Eliot Hastie

January 10 2019
Share

Over two million Aussies, many of which are big four bank customers, are looking towards new banking providers, new research has found.

The research produced by Nielsen found that 2.1 million Australians are seeking new providers and 67 per cent of them are currently customers at one of the big four.

The research found that Australians were increasingly looking away from the established banks and instead looking at digital banks, with a five-percentage point increase in Australians looking to change to digital banks in the past 12 months.

Jo Brockhurst, Nielsen’s head of financial services and insurance, believed that the open banking legislation would see this number increase as consumers were given more choice.

“Open banking will allow consumers to own their data and have personal financial information easily accessible and transferable to other financial institutions. These changes will allow for more competition, potentially leading to a huge change in the way customers interact with and are marketed to by the financial industry,” she said.

Ms Brockhurst said that the trend towards digital banks would also see neobanks like Xinja and Volt who already have restricted ADI licences increase their market share.

“The trend towards digital banks is paving the way for neobanks to gain market share. While early adopters of neobanks have traditionally been Millennials (age 18 to 35), their customer base has rapidly expanded from 18 to 80-year-olds for some brands in Australia,” she said.

Nielsen’s research found that 90 per cent of customers with digital banks were very or quite satisfied with the banks and 75 per cent of them would recommend their bank.

Meanwhile, only 45 per cent of customers with one of the big four banks would recommend theirs.

Ms Brockhurst said this difference was down to “the promise gap” with consumers expecting the banks to deliver high-quality experiences.

“While the big four banks are seeking ways to improve future engagements, neobanks are at the forefront and growing their customer base daily.

“Time will tell if traditional banks are able to transition or if neobanks will eat away their market share,” she said.

Xinja chief executive Eric Wilson said that neobanks put financial ownership in the hands of the consumer and that was what people were after.

“People are expecting a lot more than just ‘digital’ banks – digital is a given these days – what they are looking for is something that delivers an easy, frictionless and engaging experience, similar to those they have found in other next generation companies from other industries. They will also expect new business models built around customers’ interests – a ‘win-win’.”

The open banking legislation that is expected to pave the way for neobanks will come into effect on 1 July this year.

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