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E-mail & Non-e-mail Accountholder and Household Analysis
12/31/2005 Data
This analysis segmented individuals into two groups; those that provided their financial institution with an e-mail address and those that did not.
The average annual profit for households that provide at least one e-mail address to their financial institution is $60.72 greater than households that do not provide an e-mail address.
Individuals with e-mail addresses are 42% more profitable than non-e-mail individuals.
The average number of deposit products is 17% greater for e-mail individuals.
E-mail households made up 32% of all households analyzed and held 44% of total loans.
The average age of e-mail individuals is 1.2 years younger than non-e-mail individuals.
The household cross-sell ratio, for balance-bearing accounts only, is 18.6% greater for e-mail households compared with non-e-mail households.
The checking penetration for e-mail households is 82.6% compared with 59.6% for non-e-mail households.
The spread between the weighted average rate of loans and deposits is greater for e-mail individuals and households compared with non-e-mail individuals and households.
Harland ICS Industry Research
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