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1、How banks and their clients can profit from age-friendly banking products:Key take-aways from selected case studies worldwideBanking Opportunities in the Silver EconomyJuly 2020 Banking Opportunities in the Silver Economy This report is produced by the staff of Funcas under the direction and supervi

2、sion of Ms.Alice Faibishenko and Mr.Juan Nez-Gallego.BANKING OPPORTUNITIES IN THE SILVER ECONOMY 2 This page was left blank intentionally BANKING OPPORTUNITIES IN THE SILVER ECONOMY 3 Table of Contents EXECUTIVE SUMMARY.7 GLOSSARY OF SELECTED PRODUCTS.11 1.KEY FINDINGS.15 2.PRODUCTS.18 3.SERVICES .4

3、2 APPENDIX A.BANKS AS THEMATIC INVESTORS IN THE SILVER ECONOMY.57 B.DEMOGRAPHICS OF AGING .62 C.THEMES BEHIND AGE-FRIENDLY BANKING PRODUCTS AND SVCES 65 REFERENCES.72 BANKING OPPORTUNITIES IN THE SILVER ECONOMY 4 This page was left blank intentionally BANKING OPPORTUNITIES IN THE SILVER ECONOMY 5 AB

4、STRACT he term“silver economy”refers to the economy of the 50+age group.The growth of the aging population,combined with their consumption power,makes the silver economy an ideal segment for targeted banking products.Countries such as the US,UK and Japan are traditionally seen as leaders in both pro

5、ducts and services markets for silver clients.Spanish banks do offer some specific products for seniors-primarily equity release and annuities,and to a lesser extent,targeted loans.Many Spanish banks also offer a suite of age-friendly services(discounts/benefits).However,there is scope to increase r

6、evenues from this market segment in Spain.According to our analysis of age-friendly banking case studies,there are essentially three main banking product categories for seniors prevalent worldwide.While some of these products are not entirely new to the Spanish market,others could represent concrete