Reshaping consumer access to, and engagement with retail investments
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1 Reshaping consumer access to, and engagement with retail investments Adrian Grace Chief Executive Officer Aegon UK October 2015
2 All industries are moving into a digital world More than 8 billion mobile devices in use by 2016 Source Tico.com Access to the internet using a mobile phone more than doubled between 2010 and 2014 from 24% to 58% Source ONS Online grocery shopping is currently worth 7.7bn Source IGD Cloud technology has the potential to improve productivity by $3 trillion in global enterprise IT spending Source McKinsey In 2014, 74% of all adults bought goods or services online, up from 53% in 2008 Source ONS 2-3 billion more people will have access to the internet in 2025 Source McKinsey and on average a household now has six internet connected devices
3 Specifically in financial services 12.4 million online banking Ten years ago, 21.5bn funds apps downloaded Source Finextra managed by a platform today the figure is 280bn Source Platforum data Online banking customers make 5.7m transactions a day Source British Bankers Association 60% most likely to research a financial product via a price comparison site Source Mintel Smartphone usage is predicted to hit 2bn by 2016 emarketer.com Around 1,200bn will be managed under robo-advisers in the USA by Source AT Kearney, FT Adviser 2,400 bank branches may close over the next five years Source The Daily Telegraph it's clear customers expect change
4 Long term savings market will undergo digital revolution Advice gap Government policy Adviser segmentation Pensions flexibilities Digital revolution Online transparency Robo advice Advised Non Advised Workplace Level of engagement Only 11% of customers manage their pension online
5 What does this mean for advisers? 5% increase in investors who leave all decisions to an adviser Source Platforum 3.7m UK adults now manage their investments without an adviser Source Platforum Advisers agree digital innovation best solution consistent with platform growth trend. To June 2015 growth continued at 21%. Source Platforum Source Platforum The use of expert advice 30% sometimes expert 30% no expert 18% expert 23% mostly expert 53% use advice some of the time November 2014
6 Where do consumers go when they are not using advisers Advised Fuelled by pension freedom reforms 3% pa 343bn Platform assets (+ 480bn off platform) 6% pa Workplace Non-advised 15% pa 3000 Fuelled by DB to DC & auto enrolment Fuelled by advice gap & online appetite DC DB Advised Disengaged Non-Advised To be available when customers need us Projected AUM growth source Deloitte
7 Only one platform in the market is multi channel Advised Non-advised Workplace Single investment trading platform Generic government individual guidance Customer selects approach Guidance solutions Digital info & support Coach & guided solutions via web Focused investment solutions Advised solutions Tax & inheritance planning Complex solutions Wide range of investment options Simplified guarantees Simplified income drawdown Annuity portal Pension guarantees Sophisticated income drawdown Annuity portal In development Coming soon Live Launched July 2015 Live Live with decumulation being critical
8 Satisfying customer needs Maximising your pot giving income certainty
9
10 Winning together in the platform market 170,000 new Aegon platform customers in 2015 Source Aegon UK Decumulation 3bn of assets already added to the Aegon platform in Source Aegon UK Risk based products Investment & asset management capabilities Advice partnerships Omni channel: Retail, Workplace & Non-advised Upgrade New technology Straight through processing Service levels Financial strength and long term commitment The UK s fastest growing platform in and %...
11 Do you believe that customer dynamics will change? Digital technology revolutionises consumption Ready adoption of disruptive business models Adrian Personalisation drives better engagement Consumers need and want help to learn and gain confidence Brands simplify and edit choice Omni channel behaviour is the new norm
12 Thank you
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