| Dear Reader, Here at BI Intelligence, Business Insider's premium research service, our goal is to provide: - Unbiased insight and analysis
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As part of this mission, we spend thousands of hours researching and identifying the core issues you need to know within your key areas of interest. After identifying the core issues, we then exhaustively refine all of the available research into jargon-free straightforward reports. In the past year we've produced over 50 comprehensive reports based on five areas: Mobile, Digital Media, E-Commerce, Payments, and the Internet of Things. Here are some of our newest reports: Ahead of the Curve: The Digital Disruption of Retail Banking  Digital banking channels make it easier and more convenient for consumers to connect to banks. At the same time, third parties are increasingly providing the services that consumers are using to manage their finances. While these intermediaries aren't cutting out banks completely, they are encroaching on the valuable relationship between banks and their customers. At the forefront of digital disruption are millennials. These 83 million digital natives are fast becoming the most important demographic for banks. They already make up the largest share of both the US population and the employed population, at 26% and 34%, respectively. The behaviors and preferences of this generation will shape the future of the bank as well as the relationship between the bank and the customer. Insight into how this landscape is changing is crucial. In our Digital Banking Survey, we look at this key generation, which is at the crest of retail banking disruption. In this report, we provide actionable insights financial institutions can use to stay ahead of the curve as well as a detailed view into the data behind the survey segmented out by region, gender, age, and more. Access This Report » The US Smart Home Market  The US smart home market has yet to take off. Quirky's recent announcement that it was filing chapter 11 bankruptcy—and selling off its smart home business, Wink—highlights this well. At its current state, we believe the smart home market is stuck in the 'chasm' of the technology adoption curve, in which it is struggling to surpass the early-adopter phase and move to the mass-market phase of adoption. There are many barriers preventing mass-market smart home adoption: high device prices, limited consumer demand and long device replacement cycles. However, the largest barrier is the technological fragmentation of the smart home ecosystem, in which consumers need multiple networking devices, apps and more to build and run their smart home. In this report, we analyze current US consumer demand for the smart home and barriers to widespread adoption. We also analyze and determine areas of growth, and ways to overcome barriers. Access This Report » The Digital Remittance Report  Every year, migrants send hundreds of billions of dollars worth of remittances back to friends and family in their home country. And there's a massive industry that facilitates these payments—and has for more than a century. The legacy remittance industry has been long dominated by cash, which requires physical locations where customers can hand over or pick up money. Building out those retail networks is a huge investment. It's left just a few players, called Money Transfer Operators (MTOs), controlling a bulk of the industry. But these companies' comfortable hold on the industry is now being challenged by digital remittance startups. Digital-first remittance companies are competing on fees and usability, and capitalizing on the way people's expectations have changed with the advent of digital and mobile channels. In this report, we size the total remittance market, company-specific market share, digital's market share, and digital's growth at major remittance firms. We also assess how disruptive digital startups have been by comparing their fees with market leaders, and by juxtaposing their business models with those of legacy companies. Access This Report » The Subscription Video On-Demand Services Report  The way viewers are watching TV is rapidly changing. Every year, more viewers are ditching their expensive pay-TV subscriptions and opting instead for subscription video on-demand (SVOD) services, like Netflix, Hulu, and Amazon Video, as well as premium services from HBO and Showtime. Rising demand for SVOD services, which allow viewers to stream the programming they want anywhere, has led many to question what the future of video entertainment looks like—and whether traditional pay-TV has a place. In this report, we examine how the growth of SVOD services is coming at the expense of the pay-TV industry. We analyze the state of the pay-TV industry and map out which demographics are more likely to stop buying traditional TV packages. We also discuss the user base, original content offerings, and subscription models of the major subscription streaming services available today, including Netflix, Hulu, and Amazon Video. Finally, we look at how traditional pay-TV companies and premium channels like HBO and Showtime are addressing the shift to digital viewing, as well as the implications of their response for advertisers. Access This Report » The Virtual Reality Content Report  Virtual reality (VR) headsets are finally hitting the mass market, offering a revolutionary and immersive platform for content developers to reach consumers. The tech industry has promoted the prospect of VR—a computer-generated simulation of an environment—for the past few decades. But only now, with headsets backed by big names like Sony and Facebook, is VR finally becoming a concrete product with mass market potential.While VR technology is largely associated with the gaming industry, the platform offers a new set of content opportunities in entertainment, advertising, and more. In this report, we examine how various VR headset categories will shape VR content development and look at the trajectory for mobile gaming revenues to get a sense of how spending on VR content might develop. The report also lays out what types of content users and developers can expect on VR platforms, including gaming, video entertainment, and advertising. Access This Report » The Wearables in the Healthcare Sector Report  The wearables technology market —which includes smartwatches and fitness trackers—continues to grow, but nagging questions remain: Where and how will these devices be used? Will they live up to the hype that they will transform consumers' lives? Proponents compare their potential to that of smartphones and tablets, both of which helped usher in a new era of personal computing, while skeptics see narrower opportunities. We see the health sector as the most promising area for wearables adoption. Several emerging consumer and professional healthcare trends, which dovetail with advances in health technology over the past five years, are driving interest in wearables. And where wearables are most commonly used for fitness-tracking purposes at the moment, they show great potential for widespread adoption in the healthcare sector. In this report, we examine the use cases for wearables in health, ranging from consumers collecting fitness data to healthcare providers and insurers using wearables to improve health outcomes. We also explore barriers to widespread adoption of wearables in healthcare and how tech giants, including Apple, Google, and Samsung, are developing devices and platforms that will help bridge the gap between fitness tracking and actual medical care. Access This Report » The Android Report  As the smartphone market has grown from a small and limited business in some regions to a large and robust ecosystem that spans the globe, Android has emerged as the single-largest smartphone platform. Android is the smartphone market's biggest benefactor as well as its key beneficiary. The open-source nature of Android has enabled thousands of third parties to create unique devices and variations of the Android operating system to provide more choice than is available on any other platform. Android devices run the full gamut from basic beginner level devices to premium smartphones with significant processing power. Because of its enormous selection and ability to appeal to numerous segments of the smartphone consumer market, the Android has 1.4 billion monthly active users on its smartphones and tablets. Despite its success over the past few years, Android faces an uncertain future. Due to its open source variants the Android ecosystem is highly fragmented, which presents numerous issues in terms of security and app development. As the key smartphone markets shift from developed regions like the US and China to emerging markets like India and Brazil, Google will try to maintain its control of Android via its Android One project, while third party vendors will push regionalized versions of Android to better cater to new consumer markets. In a new report from BI Intelligence,we size up the current Android platform and examine its greatest opportunities and challenges in key markets. We also explore the effects of fragmentation on Android, the limitations it presents to growing segments of the Android ecosystem such as Android Wear and Android Pay, and discuss how its massive growth is presenting challenges to mobile advertisers and app developers looking to reach Android's 1.4 billion. Access This Report » The Store Cards Report  Over half a century after they fell out of favor to general credit cards, store cards—or private-label cards—are still an important component of the payments landscape. For many merchants, they represent a significant portion of sales. This is because private-label cards offer unique advantages for consumers and merchants that distinguish them from general-purpose cards. Now private-label cards could play a crucial role in propelling the adoption of mobile in-store payments among US consumers. Samsung's wallet, Samsung Pay, now supports private-label credit cards. Apple Pay users who have upgraded to iOS 9, released in September, can sync Apple Wallet with store cards. These cards, which include unique loyalty programs that often reward frequent usage, could provide an incentive for consumers to adopt mobile wallets. In this report from BI Intelligence, we size the private-label card market, explain how a private-label system is integrated, map out how a private-label credit-card transaction works, illustrate private-label's impact at two major retailers, and show data that suggests these cards could be a major driver of mobile-wallet adoption. Access This Report » And if these new reports aren't what you're looking for, check out some of our other popular reports… Interested in the future of Payments? The Payments Ecosystem Report  Understanding this complex and rapidly evolving space can be challenging. In this explainer, we offer a high-level look at the payments industry—how it functions, who the key players are, and the trends shaping the industry. We start by explaining payment-card processing, since the majority of consumer payments and transaction volume flow through this system. From there we take a look at how consumers' move to mobile devices is changing the way we pay, and which players stand to benefit. Access This Report » Not seeing the right report for your area of interest? We probably have it in our BI Intelligence Research Report Store:  Access The Store Now The Mobile Payments Report  Mobile payments—the use of phones to complete transactions in stores instead of cash and physical card swipes—are going to grow much more quickly than many observers believe. As Apple, Samsung, Google, PayPal and others increase their focus on mobile wallet products, paying with phones in stores is going to become commonplace. In this report, we explain how a few US retailers account for the vast majority of over $4.7 trillion in aggregate payment volume. Many of these retailers have already adopted the technology necessary to accept mobile payments from Apple Pay and similar apps, or plan to. It only takes a handful of these large retailers to drive an explosion in mobile payment volume and that's precisely what we think is going to happen. Access This Report » The Peer-to-Peer Bundle of Reports  Since the financial crisis, borrowers have been eager to get lower interest rates and better access to credit, while lenders have searched for higher returns on their investments. Banks, saddled with regulatory burdens, haven't been able to fully meet these needs. This has left room for the growth of a new market—peer-to-peer lending & payments. In this report bundle, we analyze the factors that have helped nurture the most successful markets for peer-to-peer lending, identify the next high-growth markets, and assess the risks that could stall the industry's progress. We also explore the market for P2P payments, how they work, and the types of businesses that are offering these services and why. Access This Report » Interested in Mobile trends? The Virtual Reality Hardware Report  There has been a lot of buzz recently around virtual reality (VR) and its potential is a new hardware device and software platform. The technology, which immerses the user in a computer-generated simulation of an environment, projects highly visual imagery in full 3D. While the technology has been associated mostly with gaming, the platform offers new opportunities for video, e-commerce, and more. In this report, we provide proprietary forecasts for VR headset shipments and revenue and estimate average selling price over the next five years. We also take a look at the different types of VR headset technology now on the market, discuss which categories will win out, and look at several use cases for VR headsets, including gaming and other. Access This Report » The Smartwatch Report  Apple's trusted, high-end brand will give the smartwatch category immediate clout and help drive much more interest among consumers, particularly those attracted to luxury goods. And the pricing, materials, and design on certain models will make the Apple Watch the first smartwatch to compete in the luxury-wristwatch category. In this report on the smartwatch market and the luxury wristwatch market, we take a closer look at the opportunity for Apple's wearable device, how it might impact the market for luxury watches, and forecasts shipments for both Apple Watch and the broader luxury watch market over the next five years. We also examine the pricing and design strategy behind Apple Watch, the new retail distribution opportunities with this device, and the wider opportunity among tech-savvy consumers. Access This Report » The App-Store Marketing Report  The total number of apps people are using hasn't changed much over the past few years. This means users are consolidating their app choices, and spending more and more time with a few favorites. This creates added pressure to stand out in the app stores, and develop apps that can gain and keep a loyal audience. In this report we discuss why it is becoming increasingly important that developers field a competitive app-marketing strategy for triggering downloads and encouraging sustained use, and retaining users. There are a number of different tactics, both paid and free, that marketers might use. Access This Report » Interested in the future of Digital Media? The Social Media Demographics Report  The demographics of who's on what social network are shifting – older social networks are reaching maturity, while newer social messaging apps are gaining younger users fast. The top trend over the last year has been the growth of image-focused social networks—particularly Pinterest, Instagram and Snapchat—among specific demographics. In this report, we unpack data from over a dozen sources to understand how social media demographics and preferences are still shifting. Access This Report » The Native Advertising Report  Native ads perform better than non-native ads and so command higher prices. For this reason, publishers are in a race to deploy as much native ad inventory as possible. The challenge is that native ads run the gamut—from social ads bought programmatically, to sponsorships that require an in-house staff to create. In this exclusive report, we examine each of the different native ad formats and look at spending trends for each. We find that spending on native ads will reach $7.9 billion this year and grow to $21 billion in 2018. Social will remain the biggest slice of this spending but native-style display will grow its share rapidly. Here, you will find a detailed breakdown of spend projections and growth rates for each of the three main native ad types—social-native, native-style display ads, and sponsored content. Access This Report » The Subscription Revenue Report  Many digital media companies have embraced monthly and annual subscriptions (or even daily subscriptions, in the case of Pandora). The business model allows digital media companies to provide a premium experience that offers more than the basic often ad-supported service level. In this report, we look at how prominent players in five separate categories have tried to build a subscription-based revenue stream alongside ad-based businesses: the categories are video, music, news publishing, social networks/messaging, and dating apps. Of course, each category is different, and won't face the same challenges and opportunities in dialing up the percentage of subscribers and subscription revenue. Access This Report » Interested in disruptive E‑Commerce trends? The Social Commerce Report  Social media may still only drive a small share of total online retail sales, but its impact is becoming impossible to ignore. Social-driven retail sales and referral traffic are rising at a faster pace than all other online channels. The top 500 retailers earned $3.3 billion from social shopping in 2014, up 26% from 2013, according to the Internet Retailer's Social Media 500. That is well ahead of the roughly 16% growth rate for the overall e-commerce market in the US. Now new initiatives from a number of different social networks are making these platforms absolutely essential for retailers that want to drive sales and boost engagement. In this report, we analyze social media's role in online retail—whether that's driving direct sales with the use of embedded "Buy" buttons on social media posts, or referring traffic to retailers' websites and apps. We measure the impact social media has on e-commerce by looking at metrics such as conversion rates, average order value, and revenue generated by shares, likes, and tweets. We also outline the latest commerce efforts by leading social networks. Access This Report » The Health and Personal Care E‑Commerce Report  At $300 billion a year in sales, health and personal care is the second-largest retail category in the US behind groceries. However, like the grocery industry, e-commerce has yet to really disrupt the American drug store. But more consumers are beginning to shop online for products that they'd typically go to a drug store to purchase. About 36 million US consumers shopped online for health and beauty products in the spring of 2014, up from 20 million consumers in spring 2010. In this in-depth report, we look at why the health and personal care business has proved so challenging to e-commerce companies—from consumer reluctance to complicated and expensive logistics—and what new strategies e-commerce startups and big-name retailers and brands are pursuing to push more health and personal care sales online, including the increasing prevalence of recurring subscription services for these products. Access This Report » The Shopping Cart Abandonment Report  Shopping cart abandonment—when shoppers put items in their online shopping carts, but then leave before completing the purchase—is the bane of the online retail industry. But it's also a huge opportunity: Approximately $4 trillion worth of merchandise will be abandoned in online shopping carts this year, and about 63% of that is potentially recoverable by savvy online retailers, according to BI Intelligence estimates. In this report, we explain what leads a shopper to abandon an online purchase and how retailers can begin to combat rising shopping cart abandonment rates. We collected and analyzed data from top e-commerce companies, and spoke with industry experts whose job it is to reduce abandonment rates and boost conversions, to come up with a number of solutions that can help retailers recover lost sales. Access This Report » Don't forget! If you're not seeing the right report for you, we probably have it in our BI Intelligence Research Report Store: Access The Store Now Interested in preparing for the Internet of Things? The Connected Car Report Bundle  The connected-car market is in its infancy, but is set to take off over the next five years; automakers and tech companies have begun to partner to put features into our cars that we would normally use on smartphones. Early connected-car users are being equipped with technology to stream music, look up movie times, be alerted of traffic and weather conditions, and even offer driving-assistance services such as self-parking. Effectively, car companies and tech companies are together beginning to turn the car into an extension of the mobile experience. By 2020, we estimate that 75% of cars shipped globally will be built with the necessary hardware to connect to the Internet. In this report bundle, we look at forecasts, competing technologies, and leading manufacturers in the connected-car market. We also examine the self-driving car market by running through the current state of the self-driving car and provide in-depth analysis for how we see the self-driving car progressing over the next five years. Our detailed examination describes the economic impact that self-driving cars can have and look at the current barriers preventing the self-driving car from coming to market. Access This Report » The Drones Report  The fast-growing global drone industry has not sat back waiting for government policy to be hammered out before pouring investment and effort into opening up this all-new hardware and computing market. A growing ecosystem of drone software and hardware vendors is already catering to a long list of clients in agriculture, land management, energy, and construction. Many of the vendors are smallish private companies and startups—although large defense-focused companies and industrial conglomerates are beginning to invest in drone technology, too. In this report, we take a deep dive into the various levels of the growing global industry for commercial drones, or unmanned aerial vehicles (UAVs). This 32-page report provides forecasts for the business opportunity in commercial drone technology, looks at advances and persistent barriers, highlights the top business-to-business markets in terms of applications and end users, and provides an exclusive list of dozens of notable companies already active in the space. Finally, it digs into the current state of US regulation of commercial drones, recently upended by the issuing of the Federal Aviation Administration's draft rules for commercial drone flights. Few people know that many companies are already authorized to fly small drones commercially under a US government "exemption" program. Access This Report » Insurance And The IoT Report  The ability to bring internet connection to nearly every type of consumer device will have huge implications for the insurance industry over the next five years. Insurers looking to cut costs, improve business practices, and better assess clients' risk levels, will increasingly invest in the Internet of Things (IoT). Some auto and health insurers are already offering a new type of insurance—usage-based insurance (UBI) that uses IoT devices to track clients' activity and offer discounts or rewards for healthy and safe behavior. We expect 17 million people will have tried UBI auto insurance by the end of this year. In this report, we examine the impact of the IoT on the insurance industry. From free fitness trackers to track individuals' exercise habits to drones to assess damages in unsafe post-disaster conditions, we analyze current US insurance markets—including the auto, health, life, and property insurance markets—and look at ways insurers are integrating IoT devices. Access This Report » | 
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