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27 de janeiro de 2015

FICO Survey: American Millennials Will Step Up Use of Non-Traditional Banking Services This Year

27 de janeiro de 2015

32 percent of Millennials expect to use mobile wallets this year, more than half intend to use alternative payment services and 23 percent are considering a peer-to-peer loan

SAN JOSE, Calif.—January 27, 2015 —A comprehensive survey of U.S. bank customers conducted for FICO (NYSE:FICO), the predictive analytics and decision management software company, found that Millennials are embracing alternative banking services in greater numbers than older generations. Twice as many Millennial respondents (32 percent) report that they are likely to use mobile wallet services like Apple Pay or Google Wallet in the next 12 months as those who are 35 and older (16 percent). Additionally, 56 percent of younger Millennials (18-24) report that they are already using or very likely to use alternative payment services like Venmo and PayPal.

The survey asked respondents about their use and projected use of non-traditional banking services, such as mobile wallets, alternative payment services, and peer-to-peer lending. Among all respondents, 18 percent said they intend to use a mobile wallet in the next year, whereas just 5 percent reported that they currently use a mobile wallet. 39 percent expect to use an alternative payment service in the next year; and 21 percent said they currently use alternative payment services.

Only 1 percent of respondents currently use peer-to-peer lending services like LendingClub and Prosper, which match individual lenders with borrowers. However, 23 percent of Millennials said they will consider peer-to-peer lending services this year. The survey found that Millennials are 10 times more likely to consider peer-to-peer lending services than Baby Boomers, and twice more likely than Generation X.

"We already know that Millennials are inclined to conduct common banking activities through the digital channel," said David Vonk, who leads the North American banking practice at FICO. "While alternative banking may still be in its infancy, it has the potential to grow rapidly, especially as the Millennial generation enters its prime and pushes these services to the forefront of its banking agenda."

The online survey of 908 U.S. banking customers was conducted in August 2014.

Sobre a FICO
A FICO (NYSE: FICO) é uma grande empresa de software analítico que ajuda empresas em mais de 90 países a tomar melhores decisões que levem a níveis mais elevados de crescimento, rentabilidade e satisfação do cliente. O uso inovador que a empresa faz do Big Data e de algoritmos matemáticos para prever o comportamento do consumidor está transformando setores inteiros. A FICO fornece software analítico e ferramentas utilizadas em vários setores para gerenciar riscos, combater a fraude, construir relacionamentos mais rentáveis com os clientes, otimizar operações e cumprir regulamentações governamentais rigorosas. Many of our products reach industry-wide adoption. These include the FICO® Score, the standard measure of consumer credit risk in the United States. As soluções da FICO utilizam padrões de código aberto e computação em nuvem para maximizar a flexibilidade, acelerar a implementação e reduzir os custos. A empresa também ajuda milhões de pessoas a gerenciar sua qualidade de crédito pessoal. FICO: Make every decision count. Learn more at www.fico.com.

FICO and "Make every decision count" are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries.

Contatos da sala de imprensa

Greg Jawski
Américas

greg.jawski@porternovelli.com
+1 212-601-8248

Darcy Sullivan
Europa, Oriente Médio e África

dsullivan@fico.com
+44 (0) 209-940-8719

Saxon Shirley
Pacífico Asiático

saxonshirley@fico.com
+65 6422-7795

Marisa Arribas
América Latina

marisaarribas@fico.com
+1 786 482 7231

Milla Delfino
América Latina

milladelfino@fico.com
+55 11 97673-6583