Summary
Almost nine out of 10 Dutch consumers have a savings or deposit account — the highest penetration in Europe. Dutch savings account buyers mainly use the Net to research and buy savings products: More than half of them have either used financial companies' Web sites or price comparison sites during their search. Furthermore, 57% of recent savings account buyers have applied for the product online. With competition increasing, sales rapidly shifting to the Net, and banks' funding difficulties putting retail deposits very high on the strategic agenda, eBusiness and channel managers need to revamp savings account distribution by focusing on product transparency, sales process efficiency, and cross-sell opportunities.
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