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Exploring the Demand for Deposit-Based Bank Lending

Exploring the Demand for Deposit-Based Bank Lending

Fiserv
Pages 9 Pages

A survey by Fiserv found that 35% of high-income, highly educated individuals need small, short-term loans for unexpected expenses. While they currently use credit lines or loans from family, 84% prefer to access these funds through their banks. This creates an opportunity for financial institutions to offer fast, automated small loans, which could improve customer loyalty, attract new clients, and boost cash flow. Offering such loans with clear repayment terms could strengthen relationships and reduce costs for banks.

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