South Africa Country Report: Internet and Cellphone/Mobile Banking Report

Compiled: May 2012 (95 pages) This comprehensive report examines the South African Internet and Cellphone/Mobile Banking market. It answers the questions: What are the important South Africa Internet and Cellphone/ Mobile banking trends and user forecasts for 2012-2016? Who are the leading banks regarding Internet and Cellphone/Mobile banking? It examines in detail the geo-demographics, Internet and Cellphone/ Mobile penetration, Internet and Cellphone/ Mobile trends (2009-2011) as well as the Internet and Cellphone activities among Internet and Cellphone/Mobile banking users.

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This comprehensive report examines the South African Internet and Cellphone/Mobile Banking market: Bank customer trend (2009-2011); Internet and Cellphone Banking user forecasts for 2012-2016; Geo-demographic profile of bank customers; Internet & Mobile access trends (2009-2011) by bank; Internet & Cellphone/Mobile banking trends (2009-2011) by bank; Detailed geo-demographic profile of Internet & Cellphone/Mobile banking users by bank; Internet activities among Internet & Cellphone/Mobile banking users (2011).

The consumer analysis is based on the annual consumer survey among a nationally representative sample of more than 25,000 people - All Media and Products Survey conducted by the South African Advertising Research Foundation. In addition, the sections on Internet activities are based on ROOTS (2010), a comprehensive national survey among 23,055 people conducted by Caxton Publishers.

SOME KEY QUESTIONS THE REPORT WILL HELP YOU TO ANSWER:

*What are the important South African market and consumer trends (2009-2011) that should be included in your business strategy? Who are the leading banks regarding Internet and Cellphone/Mobile banking?
*Who are the customers of the five main South Africa banks i.e. ABSA, Capitec, FNB, Nedbank, and Standard Bank? e.g. age, gender, affluence, life-stage, geographics
*What are important Internet and Cellphone/Mobile banking trends (2009-2011) in South Africa? What are the mobile and Internet banking user forecasts for 2012-2016?
*Which channels do bank customers use to access their bank account (2009-2011)?
*Who are the users of Internet and Cellphone/Mobile banking of the five main South African Banks? e.g. age, gender, affluence, life-stage, geographics
*What are Internet and Cellphone/Mobile activities South African Internet and/or Cellphone/Mobile banking users are engaging in?

It provides a comprehensive user profile of the Internet and Cellphone/Mobile banking category (minimum category sample n = 2 317 Internet banking users; n = 1 486 Cellphone/Mobile banking users).

It examines in detail the geo-demographics, Internet and Cellphone/Mobile penetration, Internet and Cellphone/Mobile trends (2009-2011) as well as the Internet and Cellphone activities among Internet and Cellphone/Mobile banking users making it a vital reference report for anyone wanting to understand this segment of the market.

WHY PURCHASE THIS MARKET RESEARCH REPORT?

*The report focuses on consumer-based intelligence – the most valuable brand asset
*Provides a comprehensive analysis of the “big picture” with global and local market trends and insights
*Historical (2007-2011) market trends and user forecasts (2012-2016) and geo-demographic user trends
*Detailed reports filled with insights, charts, graphs and tables
*Salient points and key insights are highlighted and summarised in comment boxes on each page

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1. South African Population Demographics Overview

1.1. South Africa At A Glance: Size; Population; GDP; Gini Coefficient; Life Expectancy; Human Development Index; Top Exports And Import Goods; Top Trading Partners
1.2. SA Province Overview (2011): GDP Contribution And Population Size
1.3. SA Age Estimate (2011): South African Population Age Distribution
1.4. SA Population Race And Gender Estimate (2011): Race; Black; White; Coloured; Indian Or Asian. Gender; Male Or Female

2. Survey Methodology

3. Bank Customer Trend (2009-2011)

3.1. Bank Customer Trend among 5 main South African Banks: ABSA, Capitec, FNB, Nedbank, Standard Bank

4. Demographic Profile of Bank Customers (2011) by bank: ABSA, Capitec, FNB, Nedbank, Standard Bank

4.1. Gender: Male; Female
4.2. Age: 15-19; 20-24; 25-34; 35-44; 45-49; 50-54; 55-64; 60+
4.3. Lifestage: At Home Singles; Starting-out Singles; Couples; Parents; Single Parents
4.4. Population Group: Black; White; Coloured; Indian
4.5. Home Language: Afrikaans; English; Zulu; Xhosa; North Sotho; South Sotho; Tswana; Tsonga; Venda; Swazi; Ndebele
4.6. Province: Western Cape; Northern Cape; Eastern Cape; Kwazulu-Natal; Free State; Mpumalanga; Gauteng; Limpopo; North West
4.7. Community: Rural; Settlement; Small Village; Large Village; Small Town; Large Town; City; Metropolitan
4.8. Personal Income: No Personal Income; Up To R2 499; R2 500-R4 999; R5 000-R7 999; R8 000- R13 999; R14 000-R24 999; R25 000+
4.9. LSM: LSM 1; LSM 2; LSM 3; LSM 4; LSM 5; LSM 6; LSM 7; LSM 8; LSM 9; LSM 10

5. Internet Banking Trends (2009-2011) by bank: ABSA, FNB, Nedbank, Standard Bank

5.1. Internet access among bank customers by bank: Accessed Internet in past 4 weeks; past 7 days, yesterday
5.2. Internet banking user and non-user trend
5.3. Internet banking user trend by bank

6. Internet Banking User Forecasts: 2012 -2016

6.1. Internet Banking User Forecasts

7. Demographic Profile of Internet Banking Users by bank (2011): ABSA, FNB, Nedbank, Standard Bank

7.1. Gender Profile of Internet Banking Users by bank: Male; Female
7.2. Age Profile of Internet Banking Users by bank: 15-19; 20-24; 25-34; 35-44; 45-49; 50-54; 55-64; 60+
7.3. Lifestage Profile of Internet Banking Users by bank: At Home Singles; Starting-out Singles; Couples; Parents; Single Parents
7.4. Population Group Profile of Internet Banking Users by bank: Black; White; Coloured; Indian
7.5. Home Language Profile of Internet Banking Users by bank: Afrikaans; English; Zulu; Xhosa; North Sotho; South Sotho; Tswana; Tsonga; Venda; Swazi; Ndebele
7.6. Province Profile of Internet Banking Users by bank: Western Cape; Northern Cape; Eastern Cape; Kwazulu-Natal; Free State; Mpumalanga; Gauteng; Limpopo; North West
7.7. Community Profile of Internet Banking Users by bank: Rural; Settlement; Small Village; Large Village; Small Town; Large Town; City; Metropolitan
7.8. Personal Income Profile of Internet Banking Users by bank: No Personal Income; Up To R2 499; R2 500-R4 999; R5 000-R7 999; R8 000-R13 999; R14 000-R24 999; R25 000+
7.9. LSM Profile of Internet Banking Users by bank: LSM 1; LSM 2; LSM 3; LSM 4; LSM 5; LSM 6; LSM 7; LSM 8; LSM 9; LSM 10

8. Internet Activities among Internet Banking Users (2010) by bank: ABSA, FNB, Nedbank, Standard Bank

8.1. Computer and laptop ownership among Internet Banking users by bank
8.2. Internet access Frequency among Internet Banking user by bank
8.3. Internet access location among Internet Banking user by bank
8.4. Internet activities among Internet Banking user by bank: Internet activity categories include Information; Social Networking; Shopping; Entertainment; Administration
8.5. Search Engines used among Internet Banking user by bank: www.google.com, search.yahoo.com, www.ask.com, search.msn.com, www.live.com

9. Cellphone activities among Internet Banking Users (2011) by bank: ABSA, FNB, Nedbank, Standard Bank

9.1. Own/rent/use cellphone among Internet Banking users by bank
9.2. Cellphone payment mechanism among Internet banking users by bank: Contract, Pre-Paid
9.3. Cellphone brand use most often among Internet banking users by bank: Sony Ericsson, Samsun, Nokia, Motorola, LG, HTC, Ericsson, BlackBerry, Apple iPhone
9.4. Cellphone network used among Internet banking customers by bank: Vodacom, Virgin Mobile, MTN, Cell C
9.5. Amount spent on cellphone per month among Internet banking users by bank
9.6. 'Daily' Cellphone activities among Internet banking users by bank: Enter Competitions, Send other SMS’s, Use Instant Messaging/Chat Services, Send ‘Please call me” messages, Send an MMS, Send/Receive E-mail, Browse WAP/Web
9.7. Cellphone media usage (weekly) among Internet banking users by bank: Read a newspaper/magazine on Cellphone, listen to radio on cellphone, watch TV on cellphone
9.8. Users and Non-users of cellphone banking among Internet banking users by bank

10. Cellphone Banking Trends (2009-2011) by bank: ABSA, FNB, Nedbank, Standard Bank

10.1. Own/rent/use cellphone among bank customers by bank
10.2. Channel used to access bank account
10.3. Cellphone banking user trend by bank

11. Cellphone Banking User Forecast: 2012 -2016

11.1. Cellphone Banking User Forecasts

12. Demographic Profile of Cellphone Banking Users by bank (2011): ABSA, FNB, Nedbank, Standard Bank

12.1. Gender Profile of Cellphone Banking Users by bank: Male; Female
12.2. Age Profile of Cellphone Banking Users by bank: 15-19; 20-24; 25-34; 35-44; 45-49; 50-54; 55-64; 60+
12.3. Lifestage Profile of Cellphone Banking Users by bank: At Home Singles; Starting-out Singles; Couples; Parents; Single Parents
12.4. Population Group Profile of Cellphone Banking Users by bank: Black; White; Coloured; Indian
12.5. Home Language Profile of Cellphone Banking Users by bank: Afrikaans; English; Zulu; Xhosa; North Sotho; South Sotho; Tswana; Tsonga; Venda; Swazi; Ndebele
12.6. Province Profile of Cellphone Banking Users by bank: Western Cape; Northern Cape; Eastern Cape; Kwazulu-Natal; Free State; Mpumalanga; Gauteng; Limpopo; North West
12.7. Community Profile of Internet Banking Users by bank: Rural; Settlement; Small Village; Large Village; Small Town; Large Town; City; Metropolitan
12.8. Personal Income Profile of Internet Banking Users by bank: No Personal Income; Up To R2 499; R2 500-R4 999; R5 000-R7 999; R8 000-R13 999; R14 000-R24 999; R25 000+
12.9. LSM Profile of Internet Banking Users by bank: LSM 1; LSM 2; LSM 3; LSM 4; LSM 5; LSM 6; LSM 7; LSM 8; LSM 9; LSM 10

13. Internet Activities among Cellphone Banking Users (2011) by bank: ABSA, FNB, Nedbank, Standard Bank

13.1. Computer and laptop ownership among Cellphone Banking users by bank
13.2. Internet access Frequency among Cellphone Banking user by bank
13.3. Internet access location among Cellphone Banking user by bank
13.4. Internet activities among Cellphone Banking user by bank: Internet activity categories include Communication; Media; Shopping; Entertainment; Administration
13.5. Internet bookings in past 12 months among cellphone banking users by bank:
Cinema/Movie Tickets, Concerts/Theatre/Live Shows, Travel
13.6. Purchased anything on the Internet in past 12 months among cellphone banking users by bank

14. Cellphone activities among Cellphone Banking Users (2011) by bank: ABSA, FNB, Nedbank, Standard Bank

14.1. Cellphone payment mechanism among Cellphone banking users by bank: Contract, Pre-Paid
14.2. Cellphone brand use most often among Cellphone banking users by bank: Sony Ericsson, Samsun, Nokia, Motorola, LG, HTC, Ericsson, BlackBerry, Apple iPhone
14.3. Cellphone network used among Cellphone banking customers by bank: Vodacom, Virgin Mobile, MTN, Cell C
14.4. Amount spent on cellphone per month among Cellphone banking users by bank
14.5. 'Daily' Cellphone activities among Cellphone banking users by bank: Enter Competitions, Send other SMS’s, Use Instant Messaging/Chat Services, Send ‘Please call me” messages, Send an MMS, Send/Receive E-mail, Browse WAP/Web
14.6. Cellphone media usage (weekly) among Cellphone banking users by bank: Read a newspaper/magazine on Cellphone, listen to radio on cellphone, watch TV on cellphone

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FORECASTING

Our comprehensive analyses include 5-year consumer trends and forecasts expected consumer growth and trends in a market over the next five year period (2012-2016). This forecast considers the compound annual growth rates (CAGR) achieved in the 5 previous years (4 periods), as well as market drivers and restraints as the basis for determining expected future growth.

The forecasting is done in-house based on our forecasting background, experience and expertise.

SECONDARY/DESK RESEARCH

For our comprehensive sections on the Global and South African market trends and overview, we make use of the most credible and accurate market intelligence sources, our own proprietary databases, as well as other recognized data sources that are available in the public domain.

CONSUMER ANALYSIS

The majority of consumer analysis is based on the All Media and Products Survey conducted by the South African Audience Research Foundation. For more detailed info, please visit www.saarf.co.za.

Methodology

Analytix BI uses AMPS to obtain an in-depth understanding of various consumer markets in South Africa. AMPS is a single source survey, based on media usage, product consumption and demographics collected from in-home face to face personal interviews with the same respondents. AMPS is currently conducted using Double Screen Computer Assisted Personal Interviewing technology (DS-CAPI) and is one of the only four media audience surveys in the world that replaced the previous paper-based interviews. With DS-CAPI, mastheads and show cards on separate computer screens/laptops are handed to respondents. The interviewer’s laptop and the respondent’s screen/laptop are linked and are programmed so that the right mastheads and show cards come up on the respondent’s screen/laptop at the right questions. The survey is conducted annually in two fully national fieldworks between January – June and July to December, over 25 000 adults (15+ year olds) are interviewed, in both rural and urban areas, with computer-assisted personal interviewing.

Sample Design

The sample is designed by using multi-stage area stratified systematic probability sampling. In order to measure this universe a large, scientifically drawn, multi-stage, area stratified, probability sample is taken to represent the population of South Africa. Using population estimates, the sample is then grossed up to the total population so that findings can be looked at in terms of both percentage and thousands of people .The residential addresses are arranged within each geographic areas arranged alphabetically by suburb name, street name within suburbs and numerically by street number within street. Multiple dwelling units such as flats, cluster houses with the same street number are listed individually.

SAARF LSM

Analytix BI also uses the SAARF LSM (Living Standards Measure) rating, which is the most widely used marketing research tool in Southern Africa. SAARF’s LSM tool segments the South African market based on universally applicable variables according to living standards such as urbanisation and ownership of possessions such as cars and major appliances. This further divides the population into 10 LSM groups, 10 (highest) to 1 (lowest). Previously eight groups were used but this changed in 2001 when the new SAARF Universal LSM consisting of 10 groups was introduced. For more detailed information on SAARF LSM, go to www.saarf.co.za

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