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Credit Crunch Consumer Insights

Financial Therapy
Companies are increasingly emphasizing the importance of financial mental health
Trend - Aware that consumers are often stressed for money—and this is especially true during the COVID-19 pandemic which has left many without a job and forced small businesses to permanently close—financial companies are emphasizing the need for wellness and mental health practices in their industry.

Insight - Due to the COVID-19 pandemic and the associated government-imposed health and safety measures, many individuals are experiencing exasperated financial stress. In order to alleviate their anxiety, consumers are looking for advice and tools that will help them in their unique situations. In being more organized, individuals feel better prepared and as a result, gain peace of mind when it comes to surviving the pandemic and beyond.
Workshop Question - How can your brand help alleviate consumer stress?
5.6
Score
Popularity
Activity
Freshness
Patterns
Megatrends
Gamified Adulting
Apps encouraging Millennials to complete necessary tasks use gamification
Trend - Millennials are being catered to by new apps aimed at automating and gamifying unappealing but necessary tasks, like finance management or housekeeping. The game-like interface of these apps is critical to their success and resonance with this audience.

Insight - Thanks to their often precarious financial situations, many Millennials today have had to delay adulthood milestones and report feeling overwhelmed by important tasks like money management. This has led this group to be open-minded about the support they receive when it comes to being educated and held accountable when it comes to the management of their daily lives.
Workshop Question - What's a necessary, boring task your brand could make more appealing to the Millennial cohort?
6.7
Score
Popularity
Activity
Freshness
Patterns
Megatrends
Everyday Rental
Brands begin to offer everyday items like clothing and home textiles for rent
Trend - Consumers today are increasingly thoughtful with how they spend, leading many companies--especially those whose products are used infrequently--to offer rental options in lieu of expensive purchase items. Brands that sell products used on an everyday basis, like home decor and casual fashion, are pivoting to offer a rental model as well.

Insight - Today's consumer is accustomed to on-demand products, services and content in many facets of their lives. Considerations these individuals make in their purchase decisions include cost accessibility and flexibility--which rental models offer. These business models benefit consumers who don't have the means or willingness to make investments in products that don't hold up in quality overtime.
Workshop Question - How will consumers' rising expectations when it comes to value and convenience impact your brand?
6.1
Score
Popularity
Activity
Freshness
Patterns
Megatrends
Digitized Merchant
Cash economies go digital with merchant-centric benefits
Trend - The lack of digital payment infrastructure that extends to small and micro businesses is a significant challenge for businesses operating in primarily cash economies. In an effort to combat this, an increasing number of payment technology providers are establishing merchant-centric benefits ranging from loyalty programs to cost-free implementation processes.

Insight - For today's business owner, establishing secure and effective production, management, and transactional processes are crucial. This consumer is focused on benefits like cost-reduction and security in order to compete in industries that are ever-evolving and expanding with new waves of tech innovations.
Workshop Question - How has a move toward more digitized payment processes impacted your organization?
4.6
Score
Popularity
Activity
Freshness
Patterns
Megatrends
Visible Finance
Personal finances become a more social experience through collaborative tools
Trend - While personal finances were once a taboo subject, today an increasing number of financial services are leveraging the power of social visibility to help consumers meet their financial goals. Whether through group saving apps or comparative investment apps, a variety of solutions are appearing that leverage social visibility as an incentive for saving.

Insight - Today, authenticity is an expectation that consumers have of brands and of themselves in all aspects of their lived experience, including their financial health and wellbeing. The shift towards transparency in this realm signals a shift that speaks to the outdated misconception that many brands hold that for everyone, financial topics are taboo.
Workshop Question - Check in on some steadfast norms in your industry. Are there ways to divert from these norms to win brand love?
3.6
Score
Popularity
Activity
Freshness
Patterns
Megatrends
Biometric Banking 2.0
Banking processes are made more secure through emerging biometric systems
Trend - Addressing consumer concerns around security and a need for convenience, financial institutions are rolling out and experimenting with emerging biometric security measures. This more advanced approach to protection speaks to the way in which biometric technology will likely play a growing role in the future of security.

Insight - As technology advances, consumers are becoming more aware of the dangers associated with information breaches and the overall need for privacy. Today's consumer already shares so much digitally, and they are coming to realize the importance of sharing only the information they need to share, creating a new precedent of privacy in general.
Workshop Question - What is your customers' biggest concern when it comes to your brand? Brainstorm a concept solution that would perfectly solve that issue.
3.8
Score
Popularity
Activity
Freshness
Patterns
Megatrends
Boundless Banking
Financial products take aim at global consumers with multi-currency offerings
Implications - As consumer expectations of products in general are heightened, even the most traditional industries such as banking are debuting innovative offerings to appeal to specific consumer segments. One of the ways this is playing out is in the form of multi-currency bank accounts, allowing consumers to move between countries with ease.

Insight - As the Millennial generation ages into their peak spending years, an increase in globalized citizens can be seen. This generation prioritizes travel as experience and adventure are key motivators for them. Widely, the ability for brands, service providers and retailers to provide frictionless service is reflective of today's consumer base who prioritizes a sense of literal and figurative borderless living.
Workshop Question - What steps are getting in the way of your customer having the easiest possible experience with your brand?
1.9
Score
Popularity
Activity
Freshness
Patterns
Megatrends
Freelancer Finance
Financial products are developed with the specific needs of freelancers in mind
Trend - Catering to an increasingly flexible and freelance-driven workforce, financial institutions and startups alike are creating payment and financial tracking products specifically designed for independent contractors.

Insight - Freelancers face a number of issues when it comes to not just finding work, but receiving and tracking payment. With the growth of the freelance economy has come a greater push by freelancers for more protections and tools that ensure their work is adequately compensated and appreciated.
Workshop Question - What's a specific market segment your industry has overlooked? What would it look like if your brand were to create a product specifically for that group?
2.9
Score
Popularity
Activity
Freshness
Patterns
Megatrends
Haptic Card
Credit and debit cards are designed with analog buttons
Implications - Banking institutions are giving consumers the ability to interact with dynamic credit and debit cards, differentiated by analog buttons. While the specific functions of these buttons can vary, the increased appearance of this feature suggests that in today's chaotic and contactless world, some still desire the gratification of haptic feedback.
Workshop Question - What analog process could your brand re-introduce to differentiate it's offering?
5.1
Score
Popularity
Activity
Freshness
Patterns
Megatrends
Normalized Sobriety
"Dry" nights out increase in availability due to Millennial demand
Implications - Where once, an alcohol-free night-out might have seemed unappealing to some, the promotion of sobriety in a social setting today acts as a key value proposition for many party purveyors. By providing party-goers with a safe, fun and stigma-free space to let loose, brands are able to capitalize on a growing market. While motivations to abstain from drinking varies, two of the key drivers here include the heightened financial and health contentiousness of Millennial consumers.
Workshop Question - In what ways have Millennial consumers changed your industry and how has your brand adapted?
4.1
Score
Popularity
Activity
Freshness
Patterns
Megatrends