personal loans targeting - acquirepersonal loans targeting. nz slide the 3 trends in new zealand...

PERSONAL LOANS TARGETING

NZ SLIDE

The 3 Trends in New Zealand

Consumer Barometer 2015 Local Report 5

The future is mobile 56 of the consumers in New Zealand go online at least as often via a smartphone as a computer. Smartphones are highly used in all age groups, especially younger people. Smartphones are mostly used for using a search engine or social network.

Today’s shopper is an online shopper Online is key in informing consumers during product research. Many consumers only use online as the place to get product information, but online still has a big impact on in-store sales.

Millions of online video views More than half of the consumers refer short videos, and for this smartphones are more popular than watching via computer. People are focused when watching.

Source: Google Consumer Barometer

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The Online and Multiscreen World Quantify and understand internet usage and attitudes across various devices.


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Where are the consumers? Online!


9 out of 10

Source: The Connected Consumer Survey 2015 Question: How often do people go online (for personal Internet usage)? Base: Internet users (accessing via computer tablet or smartphone)

of the consumers are online at least once a day


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87

11 2

Daily Weekly Monthly or less

New Zealand is online


Consumers in all age groups are online often

Source: The Connected Consumer Survey 2015 Base: Internet users (accessing via computer tablet or smartphone)

How often do you go online?

92% 95% 90% 88%

75%

8% 5% 10% 12% 25%

Under 25 25-34 35-44 45-54 Over 55 Yes No

Do you go online every day?


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People are even online when they’re watching TV


The consumers are online while watching TV

Source: The Connected Consumer Survey 2015 Question: Do people go online on their devices while watching TV? Base: Internet users (accessing via computer tablet or smartphone) | TV Viewers | Use Internet in Parallel to TV

Use devices to go online while watching TV

52% 45%

61%

26%

Computer Smartphone Tablet

Which devices do people use to go online while watching TV


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New Zealand has more screens than ever


There are 2,6 devices connected to the internet pr. person in New Zealand in 2015.

Source: The Connected Consumer Survey 2015

2,6 devices pr. person


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How does New Zealand compare?


Source: The Connected Consumer Survey 2015 Base: total online and offline population

62%

Which devices do people use?

Of the consumers use a

smartphone

New Zealand have a higher smartphone penetration than the global average

92%

84%

84%

80%

46%

Under 25 years

25 - 34 years

35 - 44 years

45-54 years

55 and over

How does the demographics look?

Smartphone usage rate


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In which industries are consumers researching online? (continued)


* Over-the-counter remedies Source: The Consumer Barometer Survey 2015 Question: Did people do any online or offline research prior to their recent purchase? Base: Internet users (accessing via computer tablet or smartphone) | Answering based on a recent purchase (in select categories)

Make-up Music

Vitamins & OTC Remedies* Televisions

Hotel Stays

Laptops Mobile Phones

Personal Loans Real Estate Restaurants

79% 66% 46% 55% 60%

63% 70% 23% 56% 27%


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Online advertising and research is essential


For 52% of the consumers online is the first source of product awareness during pre-purchase research.

What specific source informed people who first learned of their purchased product via product research?

Source: The Consumer Barometer Survey 2015 Base: Internet users (accessing via computer tablet or smartphone) | Answering based on a recent purchase (in select categories)

42%

11%

20%

11%

12%

How did people first hear about the product/offer they bought?

Previous experience

Other people

Research

Advertising

Other


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Consumer behavior in various industries (continued)


Source: The Consumer Barometer Survey 2015 Question: Did people research or purchase their product online or offline? Base: Internet users (accessing via computer tablet or smartphone) | Answering based on a recent purchase (in select categories)

61%

18% 20% 12%

48%

19% 17% 9% 8% 8%

18%

47%

26%

43%

12%

42%

52%

14%

46%

20%

Hotels Laptop Make-up Mobile Phones

Music Personal Loan

Real Estate Restaurants Television Vitamins & OTC

Research online, purchase online

Research online, purchase offline


NZ SLIDE Consumer Barometer 2015 Local Report 80

The Smart Shopper – Personal Loan The consumer purchase journey and the role of the internet in making their last purchase decision


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Personal Loan: Highlights


Source: The Consumer Barometer Survey 2015 Base: Internet users (accessing via computer, tablet or smartphone) | Answering based on a recent purchase (in select categories) | Researched online

…and 45% do so via a search engine

What online sources did people use to make a purchase decision?

63%

…while 3 out of 10 end up making their purchase online

Where did people make their purchase? What online or offline research did people do prior to their recent purchase?

The consumers research online

prior to taking out a loan

research onlineline


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The Smart Viewer is a Mobile Viewer


Source: The Connected Consumer Survey 2015 *At least once a month Base: Internet users (accessing via smartphone)

7 out of 10 consumers are watching online video on their smartphones*


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The users watch online video at home and alone


94% of the consumers are watching online video at home

6 out of 10 watch online video alone

Source: The Connected Consumer Survey 2015 *Question: With how many people did you watch video in the last week? Base: Internet users (accessing via computer, tablet or smartphone) | Watched online video in the past week | Answering based on a recent online video session


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Why are we watching online video?


33%

55%

18%

10%

To relax

To be entertained

To pursue a hobby

Find product information 55%

of the consumers are watching videos because they want to be entertained

What motivated people to watch online videos in the last week?

Source: The Connected Consumer Survey 2015 Base: Internet users (accessing via computer, tablet or smartphone) | Watched online video in the past week | Answering based on a recent online video session


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Tomorrow’s TV is Online


Source: The Connected Consumer Survey 2015 Base: Internet users (accessing via computer, tablet or smartphone) | Watched online video in the past week | Answering based on a recent online video session

70% Of the users are watching Online video every week

What are the users watching?

30% are watching

comedy

13% are watching

sport

11% are watching

gaming videos


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Methodology Data in the Consumer Barometer is pulled from two sources - the core Consumer Barometer questionnaire, which is focused on the adult online population and Connected Consumer Study, which seeks to enumerate the total adult population and is used to weight the Consumer Barometer results.



PERSONAL LOAN WEBSITES

nzherald.co.nz tvnz.co.nz/news 1-day.co.nz mysavings.com

stuff.co.nz bbc.com life.com.tw womanfreebies.com

tvnz.co.nz samoaobserver.ws womenfreebies.co.nz moneysavingmom.com

superxv.com theguardian.com onedaydeals.co.nz dealio.com

youtube.com radiosport.co.nz crazysales.co.nz sears.com

odt.co.nz sportsground.co.nz ebay.co.uk ozbargain.com.au

news.com.au couriermail.com.au freestuff.co.nz circulaires.com

nrl.com nzcity.co.nz loveonedaysales.co.nz woot.com

foxsports.com.au home.nzcity.co.nz ebates.com 27coupons.com

theroar.com.au zerotackle.com thekrazycouponlady.com thesniff.co.nz

dailytelegraph.com.au trademe.co.nz livingsocial.com allyou.com

CPM range from $5 to $15

CONTEXTUAL

CPM Range from $5 to $10

Category Potential Impressions Uniques

/Finance/Credit & Lending 5,037,807 395,956

/Finance/Credit & Lending/Loans 2,779,652 171,394

/Finance/Credit & Lending/Loans/Home Financing 1,307,123 102,143

/Finance/Credit & Lending/Credit Cards 703,585 83,152

/Finance/Credit & Lending/Debt Management 676,253 78,190

/Finance/Credit & Lending/Loans/Home Financing/Mortgages 596,308 46,965

/Finance/Credit & Lending/Loans/Student Loans & College Financing 174,559 23,525

/Finance/Credit & Lending/Loans/Personal Loans 817,705 20,659

/Finance/Credit & Lending/Credit Reporting & Monitoring 89,910 14,243

/Finance/Credit & Lending/Loans/Vehicle Financing 378,676 13,644

/Finance/Credit & Lending/Loans/Vehicle Financing/Auto Financing 375,211 13,516

/Finance/Credit & Lending/Loans/Personal Loans/Short-Term Loans & Cash Advances 657,774 7,656

/Finance/Credit & Lending/Debt Collection & Repossession 20,788 4,362

CONTEXTUAL

CPM Range from $5 to $10

Category Potential Impressions Uniques

/People & Society/Ethnic & Identity Groups/Asians & Diaspora/Southeast Asians & Pacific Islanders 2,197,475 106,270

/Sports/Team Sports/Rugby 72,743,264 1,871,640

/Shopping/Consumer Resources/Coupons & Discount Offers 18,379,914 775,194

/Sports/Team Sports/Basketball 19,938,266 484,169

/World Localities/Oceania/Pacific Islands 5,771,417 367,237

/Business & Industrial/Construction & Maintenance/Building Materials & Supplies 11,841,553 592,389

/Business & Industrial/Professional & Trade Associations 52,843 6,978

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3RD PARTY DATA

User ListPotential

ImpressionsUniques

VisualDNA Â» Finance Â» Loan User 691,943,168 851,040

Bid Manager Audiences Â» In-Market Categories Â» Financial Services Â» Credit & Lending 34,458,588 178,704

Neustar AdAdvisor Â» Personal Finance Â» Loans Â» Have 1st Home Mortgage 112,412,480 93,024

Neustar AdAdvisor Â» Personal Finance Â» Loans Â» Have Auto Loan 92,752,016 79,200

Bid Manager Audiences Â» In-Market Categories Â» Financial Services Â» Credit & Lending Â» Credit Cards 11,258,352 59,400

Bid Manager Audiences Â» In-Market Categories Â» Financial Services Â» Credit & Lending Â» Mortgage Â» Home Purchase Loans 7,098,732 31,824

Bid Manager Audiences Â» In-Market Categories Â» Financial Services Â» Credit & Lending Â» Mortgage 4,838,724 29,232

BlueKai - IXI Â» Mortgage Segments Â» Ready to Re-Finance - Conventional Loan 20,578,428 22,284

Bid Manager Audiences Â» In-Market Categories Â» Financial Services Â» Credit & Lending Â» Personal Loans 3,420,144 21,420

Data CPM cost range: $2 to $8

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