Sorry for interrupting, this website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish. Learn more
Accept & Close

British Lifestyles: A New Understanding of Corporate Ethics - UK - April 2019

“The consumer understanding of corporate ethics has evolved and become much more sophisticated. Looking forward, this will make it much harder for businesses to buy customers’ trust by simply emphasising their environmental profile, while not making any changes to their fiscal or societal contribution. Businesses will consequently need a clean record in both of these areas if they are to be considered a trustworthy and ethical business.”
– Jack Duckett, Associate Director – Consumer Lifestyles Research

This Report looks at the following areas:

  • Shoppers most conscious of rising expenditure on food
  • The savvy shopper returns
  • Consumers most ethically-conscious when buying FMCG goods
  • Corporate ethics: a semantic shift
  • Misuse of personal data; an ethical issue
  • A nation of local business lovers

What you get

What's included

Why buy from us?

Succeed

Our reports will provide you with market data, consumer research and competitive intelligence to succeed in your market.

Instant Access

Buy now and you'll have instant access to the information you need to make the right decisions.

Opportunities

Find out what's next in the markets that matter to you: where opportunities lie and what challenges you will face.

Trusted

A business Superbrand, Mintel is a source you can trust. We have been defining and refining the Market Intelligence mix since 1972.

Table of contents

  1. Overview

    • What you need to know
    • Executive Summary

        • Britain today
          • Population continues to grow
            • Uncertainty has slowed down GDP growth…
              • Unemployment is down, real wages are up
                • Most people’s finances remain robust
                  • Brexit concerns have increased with time running out for a deal
                    • The consumer
                      • Shoppers most conscious of rising expenditure on food
                        • Figure 1: Changes in spending habits in the last 12 months, January 2019
                      • The savvy shopper returns
                        • Figure 2: Reasons why people spent less across all categories (netted across all sectors), January 2016-January 2019
                      • Consumers most ethically-conscious when buying FMCG goods
                        • Figure 3: Ethical consideration taken into account, by retail sector, January 2019
                      • Corporate ethics: a semantic shift
                        • Figure 4: Ethical considerations taken into account, by retail sector, January 2019 vs May 2015
                      • Misuse of personal data; an ethical issue
                        • Figure 5: Behaviours that people consider would make a business untrustworthy, January 2019
                      • A nation of local business lovers
                        • Figure 6: Correspondence Analysis - Words/phrases associated with different types of businesses, January 2019, January 2019
                      • What we think
                      • Britain Today – What You Need to Know

                        • Population continues to grow
                          • Shifting the focus to older children
                            • The UK’s generational make-up
                              • Uncertainty has slowed down GDP growth…
                                • …and the housing market has started to stall
                                  • Unemployment is down, real wages are up
                                    • Most people’s finances remain robust
                                      • Brexit concerns have increased with time running out for a deal
                                      • The People

                                        • Population continues to grow
                                          • Figure 7: Trends in the UK population, 2003-23
                                        • Senior population proves leading growth factor
                                          • Figure 8: Trends in the age structure of the UK population, 2013-23
                                        • Shifting the focus to older children
                                          • Figure 9: Trends in the number of live births, England and Wales, 2000-17
                                        • Marketers focus on Millennials and Baby Boomers…
                                          • Figure 10: Generational structure of the UK population (projected), 2019
                                        • …but smaller generational groups prove of growing importance
                                        • The Economy

                                          • GDP growth held back by Brexit uncertainty
                                            • Figure 11: Quarterly % change in UK GDP, Q1 2012-Q4 2018
                                          • House price growth has stalled
                                            • Figure 12: Average house prices, UK, January 2012-December 2018
                                          • Unemployment is at a decades-long low…
                                            • Figure 13: Employment and unemployment, by gender, 2013-18
                                          • …and workers are enjoying real wage rises
                                            • Figure 14: Headline CPI inflation (12-month percentage change), vs average weekly earnings (3-month average), January 2013-January 2019
                                          • Financial wellbeing has slipped but is still healthy
                                            • Figure 15: Financial wellbeing index, January 2013-January 2019
                                          • Most are confident about the year ahead
                                            • Figure 16: Consumer financial confidence for the coming year, July 2017-January 2019
                                        • Consumers’ Response to the EU Referendum

                                          • Brexit concerns increase as negotiations come to a head
                                              • Figure 17: Expected impact of UK vote to leave the EU on wider economy and personal finances, January 2019
                                            • Worries have grown over savings and investments…
                                                • Figure 18: Balance of consumer opinion on the impact of the EU referendum on personal financial factors, December 2017-January 2019
                                              • …and the housing market
                                                  • Figure 19: Balance of consumer opinion on the impact of the EU referendum on macroeconomic factors, December 2017-January 2019
                                                • Significant gender differences
                                                    • Figure 20: Balance of consumer opinion on the impact of the EU referendum, by gender, January 2018
                                                • Consumer Expenditure – What You Need to Know

                                                  • Consumer spending up 4%
                                                    • Outlook for the next five years
                                                      • Consumers loosen their belts and increase spending on food
                                                        • Alcohol moderation trend drives innovation
                                                          • Own-label BPC cuts into consumer spend
                                                            • Brexit anxieties undermine demand for holidays…
                                                              • …but the leisure market continues to boom…
                                                                • Consumers limit spending on eating out
                                                                  • Price promotion culture hinder fashion sales
                                                                  • Consumer Expenditure Overview

                                                                    • Consumer spending up 4%
                                                                        • Figure 21: Consumer expenditure, by sector (£billion), 2018
                                                                        • Figure 22: Consumer expenditure growth, by sector, 2017-18
                                                                      • Outlook for the next five years
                                                                          • Figure 23: Best- and worst-case forecast total value sales, 2013-23
                                                                        • Top performers over the next five years
                                                                            • Figure 24: Categories set to grow at a faster rate than total consumer spending projections over the next five years, at current prices, by % growth, 2018-23
                                                                          • Financial services sector projected to fare well
                                                                            • Slower growth sectors
                                                                                • Figure 25: Consumer sectors set to grow at a below-average rate, at current prices, by % growth, 2018-23
                                                                            • Food (Retail Market)

                                                                              • What we think
                                                                                • Market – Past, present, future
                                                                                  • Figure 26: UK food retail market value, 2013-18
                                                                                  • Figure 27: Best- and worst-case forecast value sales of the food retail market, at current prices, 2013-23
                                                                                • Mintel predictions
                                                                                  • Winners for 2019
                                                                                    • Chilled ready meals
                                                                                      • Dairy-/lactose-free
                                                                                        • Pot snacks
                                                                                          • Fermented foods
                                                                                            • Losers for 2019
                                                                                              • Savoury biscuits
                                                                                                • Beef and lamb
                                                                                                  • Cow’s milk
                                                                                                    • Changing consumer habits
                                                                                                      • Figure 28: Changes in spending habits on in-home food in 2018, January 2019
                                                                                                    • Key consumer findings
                                                                                                      • Healthy eating
                                                                                                        • Meat-free foods
                                                                                                          • Ready meals
                                                                                                            • Milk
                                                                                                              • Savoury biscuits
                                                                                                              • Alcoholic Drinks (Retail Market)

                                                                                                                • What we think
                                                                                                                  • Market – Past, present, future
                                                                                                                    • Figure 29: UK alcoholic drinks retail market value, 2013-18
                                                                                                                    • Figure 30: Best- and worst-case forecast value sales of the alcoholic drinks retail market, at current prices, 2013-23
                                                                                                                  • Mintel predictions
                                                                                                                    • Winners for 2019
                                                                                                                      • Gin
                                                                                                                        • Cider
                                                                                                                          • Losers for 2019
                                                                                                                            • Champagne
                                                                                                                              • Vodka
                                                                                                                                • Changing consumer habits
                                                                                                                                  • Figure 31: Changes in spending habits on alcoholic drinks in 2018, January 2019
                                                                                                                                • Key consumer findings
                                                                                                                                  • Beer
                                                                                                                                    • Wine
                                                                                                                                      • Spirits
                                                                                                                                        • Cider
                                                                                                                                          • Alcoholic drinks review
                                                                                                                                          • Non-alcoholic Drinks (Retail Market)

                                                                                                                                            • What we think
                                                                                                                                              • Market – Past, present, future
                                                                                                                                                • Figure 32: UK non-alcoholic drinks (retail market) value, 2013-18
                                                                                                                                                • Figure 33: Best- and worst-case forecast retail value sales of the non-alcoholic drinks retail market, at current prices, 2013-23
                                                                                                                                              • Mintel predictions
                                                                                                                                                • Winners for 2019
                                                                                                                                                  • Adult soft drinks
                                                                                                                                                    • Smoothies
                                                                                                                                                      • Losers for 2019
                                                                                                                                                        • Tea
                                                                                                                                                          • Fruit juice
                                                                                                                                                            • Changing consumer habits
                                                                                                                                                              • Figure 34: Changes in spending habits on non-alcoholic drinks in 2018, January 2019
                                                                                                                                                            • Key consumer findings
                                                                                                                                                              • Attitudes to low/no/reduced sugar soft drinks
                                                                                                                                                                • Soft drinks review
                                                                                                                                                                  • What children drink
                                                                                                                                                                  • Beauty and Personal Care

                                                                                                                                                                    • What we think
                                                                                                                                                                      • Market – Past, present, future
                                                                                                                                                                        • Figure 35: UK beauty and personal care market value, 2013-18
                                                                                                                                                                        • Figure 36: Best- and worst-case forecast value sales of the beauty and personal care market, at current prices, 2013-23
                                                                                                                                                                      • Mintel predictions
                                                                                                                                                                        • Winners for 2019
                                                                                                                                                                          • Suncare
                                                                                                                                                                            • Colour cosmetics
                                                                                                                                                                              • Body, hand and footcare
                                                                                                                                                                                • Losers for 2019
                                                                                                                                                                                  • Men’s facial skincare and haircare
                                                                                                                                                                                    • Shaving and hair removal
                                                                                                                                                                                      • Changing consumer habits
                                                                                                                                                                                        • Figure 37: Changes in spending habits on beauty products and toiletries in 2018, January 2019
                                                                                                                                                                                      • Key consumer findings
                                                                                                                                                                                        • Colour cosmetics
                                                                                                                                                                                          • Hand, body and footcare
                                                                                                                                                                                            • Shaving and hair removal
                                                                                                                                                                                              • Men’s facial skincare
                                                                                                                                                                                                • Men’s haircare
                                                                                                                                                                                                • OTC and Pharmaceuticals

                                                                                                                                                                                                  • What we think
                                                                                                                                                                                                    • Market – Past, present, future
                                                                                                                                                                                                      • Figure 38: UK OTC and pharmaceuticals market value, 2013-18
                                                                                                                                                                                                      • Figure 39: Best- and worst-case forecast value sales of the OTC and pharmaceuticals market, at current prices, 2013-23
                                                                                                                                                                                                    • Mintel predictions
                                                                                                                                                                                                      • Winners for 2019
                                                                                                                                                                                                        • Allergy remedies
                                                                                                                                                                                                          • OTC analgesics
                                                                                                                                                                                                            • Losers for 2019
                                                                                                                                                                                                              • Smoking cessation
                                                                                                                                                                                                                • Sexual health
                                                                                                                                                                                                                  • Changing consumer habits
                                                                                                                                                                                                                    • Figure 40: Changes in spending habits on healthcare products in 2018, January 2019
                                                                                                                                                                                                                  • Key consumer findings
                                                                                                                                                                                                                    • Smoking cessation and E-cigarettes
                                                                                                                                                                                                                      • OTC analgesics
                                                                                                                                                                                                                        • Managing stress and wellbeing
                                                                                                                                                                                                                          • Managing a healthy lifestyle
                                                                                                                                                                                                                          • Household Care

                                                                                                                                                                                                                            • What we think
                                                                                                                                                                                                                              • Market – Past, present, future
                                                                                                                                                                                                                                • Figure 41: UK household care market value, 2013-18
                                                                                                                                                                                                                                • Figure 42: Best- and worst-case forecast value sales of the household care market, at current prices, 2013-23
                                                                                                                                                                                                                              • Mintel predictions
                                                                                                                                                                                                                                • Winners for 2019
                                                                                                                                                                                                                                  • Air care
                                                                                                                                                                                                                                    • Household paper products
                                                                                                                                                                                                                                      • Losers for 2019
                                                                                                                                                                                                                                        • Laundry detergents and fabric care
                                                                                                                                                                                                                                          • Dishwashing products
                                                                                                                                                                                                                                            • Hard surface cleaning and care products
                                                                                                                                                                                                                                              • Changing consumer habits
                                                                                                                                                                                                                                                • Figure 43: Changes in spending habits on household care products in 2018, January 2019
                                                                                                                                                                                                                                              • Key consumer findings
                                                                                                                                                                                                                                                • Air care
                                                                                                                                                                                                                                                  • Dishwashing products
                                                                                                                                                                                                                                                    • Household paper products
                                                                                                                                                                                                                                                      • Laundry detergents and fabric care
                                                                                                                                                                                                                                                      • Holidays

                                                                                                                                                                                                                                                        • What we think
                                                                                                                                                                                                                                                          • Market – Past, present, future
                                                                                                                                                                                                                                                            • Figure 44: UK holidays market value, 2013-18
                                                                                                                                                                                                                                                            • Figure 45: Best- and worst-case forecast value sales^ of domestic^^ and overseas holidays taken by UK residents, 2013-23
                                                                                                                                                                                                                                                          • Mintel predictions
                                                                                                                                                                                                                                                            • Winners for 2019
                                                                                                                                                                                                                                                              • Sea and river cruises
                                                                                                                                                                                                                                                                • The domestic holiday market
                                                                                                                                                                                                                                                                  • Destinations with a favourable exchange rate
                                                                                                                                                                                                                                                                    • The luxury travel market
                                                                                                                                                                                                                                                                      • Losers for 2019
                                                                                                                                                                                                                                                                        • Overseas business travel
                                                                                                                                                                                                                                                                          • Skiing holidays
                                                                                                                                                                                                                                                                            • Changing consumer habits
                                                                                                                                                                                                                                                                              • Figure 46: Changes in spending habits on holidays in 2018, January 2019
                                                                                                                                                                                                                                                                            • Key consumer findings
                                                                                                                                                                                                                                                                              • Cruises
                                                                                                                                                                                                                                                                                • Staycations
                                                                                                                                                                                                                                                                                  • All-inclusive
                                                                                                                                                                                                                                                                                  • Leisure

                                                                                                                                                                                                                                                                                    • What we think
                                                                                                                                                                                                                                                                                      • Market – Past, present, future
                                                                                                                                                                                                                                                                                        • Figure 47: UK leisure market value, 2013-18
                                                                                                                                                                                                                                                                                        • Figure 48: Best- and worst-case forecast value sales of the leisure market, at current prices, 2013-23
                                                                                                                                                                                                                                                                                      • Mintel predictions
                                                                                                                                                                                                                                                                                        • Winners for 2019
                                                                                                                                                                                                                                                                                          • Online gambling
                                                                                                                                                                                                                                                                                            • Health and fitness clubs
                                                                                                                                                                                                                                                                                              • Losers for 2019
                                                                                                                                                                                                                                                                                                • Nightclubs
                                                                                                                                                                                                                                                                                                  • Public health and fitness
                                                                                                                                                                                                                                                                                                    • Betting shops
                                                                                                                                                                                                                                                                                                      • Changing consumer habits
                                                                                                                                                                                                                                                                                                        • Figure 49: Changes in spending habits on leisure in 2018, January 2019
                                                                                                                                                                                                                                                                                                      • Key consumer findings
                                                                                                                                                                                                                                                                                                        • Online gambling
                                                                                                                                                                                                                                                                                                          • Health and fitness clubs
                                                                                                                                                                                                                                                                                                            • Nightclubs
                                                                                                                                                                                                                                                                                                              • Public leisure centres/swimming pools
                                                                                                                                                                                                                                                                                                              • Foodservice

                                                                                                                                                                                                                                                                                                                • What we think
                                                                                                                                                                                                                                                                                                                  • Market – Past, present, future
                                                                                                                                                                                                                                                                                                                    • Figure 50: UK foodservice market value, 2013-18
                                                                                                                                                                                                                                                                                                                    • Figure 51: Best- and worst-case forecast value sales of the foodservice market, at current prices, 2013-23
                                                                                                                                                                                                                                                                                                                  • Mintel predictions
                                                                                                                                                                                                                                                                                                                    • Winners for 2019
                                                                                                                                                                                                                                                                                                                      • Dark kitchens
                                                                                                                                                                                                                                                                                                                        • Spin-off delivery brands
                                                                                                                                                                                                                                                                                                                          • Southeast Asian cuisines
                                                                                                                                                                                                                                                                                                                            • Losers for 2019
                                                                                                                                                                                                                                                                                                                              • Specialist takeaways
                                                                                                                                                                                                                                                                                                                                • Burger and chicken restaurants
                                                                                                                                                                                                                                                                                                                                  • Changing consumer habits
                                                                                                                                                                                                                                                                                                                                    • Figure 52: Changes in spending habits on eating out in 2018, January 2019
                                                                                                                                                                                                                                                                                                                                  • Key consumer findings
                                                                                                                                                                                                                                                                                                                                    • Menu trends
                                                                                                                                                                                                                                                                                                                                      • Pizza and Italian restaurants
                                                                                                                                                                                                                                                                                                                                        • Coffee shops
                                                                                                                                                                                                                                                                                                                                        • Transport

                                                                                                                                                                                                                                                                                                                                          • What we think
                                                                                                                                                                                                                                                                                                                                            • Market – Past, present, future
                                                                                                                                                                                                                                                                                                                                              • Figure 53: UK transport market value, 2013-18
                                                                                                                                                                                                                                                                                                                                              • Figure 54: Best- and worst-case forecast value sales of the transport market, at current prices, 2013-23
                                                                                                                                                                                                                                                                                                                                            • Mintel predictions
                                                                                                                                                                                                                                                                                                                                              • Winners for 2019
                                                                                                                                                                                                                                                                                                                                                • Alternatively fuelled cars
                                                                                                                                                                                                                                                                                                                                                  • Air routes to low-cost destinations
                                                                                                                                                                                                                                                                                                                                                    • Losers for 2019
                                                                                                                                                                                                                                                                                                                                                      • New and used cars
                                                                                                                                                                                                                                                                                                                                                        • Diesel cars
                                                                                                                                                                                                                                                                                                                                                          • Business air travellers
                                                                                                                                                                                                                                                                                                                                                            • Key consumer findings
                                                                                                                                                                                                                                                                                                                                                              • Cars
                                                                                                                                                                                                                                                                                                                                                                • Airlines
                                                                                                                                                                                                                                                                                                                                                                • Fashion

                                                                                                                                                                                                                                                                                                                                                                  • What we think
                                                                                                                                                                                                                                                                                                                                                                    • Market – Past, present, future
                                                                                                                                                                                                                                                                                                                                                                      • Figure 55: UK clothing, footwear and accessories market value, 2013-18
                                                                                                                                                                                                                                                                                                                                                                      • Figure 56: Best- and worst-case forecast value sales of the clothing, footwear and accessories market, at current prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                    • Mintel predictions
                                                                                                                                                                                                                                                                                                                                                                      • Winners for 2019
                                                                                                                                                                                                                                                                                                                                                                        • Womenswear
                                                                                                                                                                                                                                                                                                                                                                          • Underwear
                                                                                                                                                                                                                                                                                                                                                                            • Losers for 2019
                                                                                                                                                                                                                                                                                                                                                                              • Childrenswear
                                                                                                                                                                                                                                                                                                                                                                                • Menswear
                                                                                                                                                                                                                                                                                                                                                                                  • Changing consumer habits
                                                                                                                                                                                                                                                                                                                                                                                    • Figure 57: Changes in spending habits on clothing and accessories in 2018, January 2019
                                                                                                                                                                                                                                                                                                                                                                                  • Key consumer findings
                                                                                                                                                                                                                                                                                                                                                                                    • Clothing
                                                                                                                                                                                                                                                                                                                                                                                      • Underwear
                                                                                                                                                                                                                                                                                                                                                                                        • Footwear
                                                                                                                                                                                                                                                                                                                                                                                          • Childrenswear
                                                                                                                                                                                                                                                                                                                                                                                          • Home and Garden

                                                                                                                                                                                                                                                                                                                                                                                            • What we think
                                                                                                                                                                                                                                                                                                                                                                                              • Market – Past, present, future
                                                                                                                                                                                                                                                                                                                                                                                                  • Figure 58: UK home and garden market value, 2013-18
                                                                                                                                                                                                                                                                                                                                                                                                  • Figure 59: Best- and worst-case forecast value sales of the home and garden market, at current prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                • Mintel predictions
                                                                                                                                                                                                                                                                                                                                                                                                  • Winners for 2019
                                                                                                                                                                                                                                                                                                                                                                                                    • Home accessories
                                                                                                                                                                                                                                                                                                                                                                                                      • Garden products
                                                                                                                                                                                                                                                                                                                                                                                                        • Losers for 2019
                                                                                                                                                                                                                                                                                                                                                                                                          • DIY big box specialists
                                                                                                                                                                                                                                                                                                                                                                                                            • Boxed mattress brands
                                                                                                                                                                                                                                                                                                                                                                                                              • Changing consumer habits
                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 60: Changes in spending habits on home and garden products in 2018, January 2019
                                                                                                                                                                                                                                                                                                                                                                                                              • Key consumer findings
                                                                                                                                                                                                                                                                                                                                                                                                                • Furniture
                                                                                                                                                                                                                                                                                                                                                                                                                  • DIY
                                                                                                                                                                                                                                                                                                                                                                                                                    • Gardens
                                                                                                                                                                                                                                                                                                                                                                                                                      • Homewares
                                                                                                                                                                                                                                                                                                                                                                                                                      • Newsagents’ Goods

                                                                                                                                                                                                                                                                                                                                                                                                                        • What we think
                                                                                                                                                                                                                                                                                                                                                                                                                          • Market – Past, present, future
                                                                                                                                                                                                                                                                                                                                                                                                                            • Figure 61: UK newsagents’ goods market value, 2013-18
                                                                                                                                                                                                                                                                                                                                                                                                                            • Figure 62: Best- and worst-case forecast value sales of the newsagents’ goods market, at current prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                          • Key consumer findings
                                                                                                                                                                                                                                                                                                                                                                                                                            • Seasonal shopping
                                                                                                                                                                                                                                                                                                                                                                                                                              • Cigarettes
                                                                                                                                                                                                                                                                                                                                                                                                                                • Lotteries
                                                                                                                                                                                                                                                                                                                                                                                                                                  • Newspapers
                                                                                                                                                                                                                                                                                                                                                                                                                                    • Magazines
                                                                                                                                                                                                                                                                                                                                                                                                                                      • Greetings cards
                                                                                                                                                                                                                                                                                                                                                                                                                                      • Housing

                                                                                                                                                                                                                                                                                                                                                                                                                                        • What we think
                                                                                                                                                                                                                                                                                                                                                                                                                                          • Market – Past, present, future
                                                                                                                                                                                                                                                                                                                                                                                                                                            • Figure 63: UK housing market value, 2013-18
                                                                                                                                                                                                                                                                                                                                                                                                                                            • Figure 64: Best- and worst-case forecast value sales of the housing market, at current prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                          • Changing consumer habits
                                                                                                                                                                                                                                                                                                                                                                                                                                            • Key consumer findings
                                                                                                                                                                                                                                                                                                                                                                                                                                              • Mortgages
                                                                                                                                                                                                                                                                                                                                                                                                                                                • Mortgage advice
                                                                                                                                                                                                                                                                                                                                                                                                                                                  • Property as an Investment
                                                                                                                                                                                                                                                                                                                                                                                                                                                  • Personal Finance

                                                                                                                                                                                                                                                                                                                                                                                                                                                    • What we think
                                                                                                                                                                                                                                                                                                                                                                                                                                                      • Market – Past, present, future
                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Figure 65: UK personal finance market value, 2013-18
                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Figure 66: Best- and worst-case forecast value sales of the personal finance market, at current prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Mintel predictions
                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Winners for 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Small business banking
                                                                                                                                                                                                                                                                                                                                                                                                                                                              • Insurance and innovation
                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Losers for 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                  • The lifetime ISA
                                                                                                                                                                                                                                                                                                                                                                                                                                                                    • High cost lending
                                                                                                                                                                                                                                                                                                                                                                                                                                                                      • Changing consumer habits
                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Key consumer findings
                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Small business banking
                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Consumers and insurance innovation
                                                                                                                                                                                                                                                                                                                                                                                                                                                                              • Unsecured loans
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Consumers, saving and investing
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Technology and Communications

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  • What we think
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    • Market – Past, present, future
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      • Figure 67: UK technology and communications market value, 2013-18
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      • Figure 68: Best- and worst-case forecast value sales of the technology and communications market, at current prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    • Mintel predictions
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      • Winners for 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Video streaming services
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Losers for 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Pay-TV
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              • Changing consumer habits
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 69: Changes in spending habits on technology and communications in 2018, January 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              • Key consumer findings
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Desktop, laptops and tablets
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  • Games consoles
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    • TVs
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      • Wearables
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Virtual reality
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • PC, mobile and voice
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Bundled communications
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Miscellaneous Expenditure

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              • What we think
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Market – Past, present, future
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  • Figure 70: UK miscellaneous expenditure market value, 2013-18
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  • Figure 71: Best- and worst-case forecast value sales of the miscellaneous expenditure market, at current prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Winners for 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  • Optical goods
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    • Funerals
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      • Pet food and pet care retailing
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Losers for 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Disposable nappies and wipes
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Key consumer findings
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              • Optical goods
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Pet food and services
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  • Nappies and baby wipes
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  • The Consumer – What You Need to Know

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    • Shoppers most conscious of rising expenditure on food
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      • Consumers cut spending on eating out
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • The savvy shopper returns
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Beauty bargain hunting
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Consumers most ethically-conscious when buying FMCG goods…
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              • …but an evolving definition of corporate ethics is gaining pace
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Misuse of personal data; an ethical issue
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  • Tax avoidance proves leading cause for concern for over-65s
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    • Few deem multinational businesses good for the UK economy
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      • A nation of local business lovers
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      • Changes in Spending Habits

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Consumers most conscious of rising expenditure on food
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Figure 72: Changes in spending habits in the last 12 months, January 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Gen Z drive spending on experiences…
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Figure 73: Generation Z spending more in the last 12 months, vs average, by category, January 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Figure 74: Selfridges ‘Bowl’ in-store skate park, February 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • …and pose opportunity for the future of luxury fashion
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Figure 75: Gucci Spring Summer 2019, February 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Consumers limit spending on eating out
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Figure 76: Difference between proportions of people spending more and less, January 2019 vs January 2018
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      • Reasons Why People Spent Less

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • The savvy shopper returns
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Figure 77: Reasons why people spent less across all categories (netted across all sectors), January 2016-January 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • The joys of bargain hunting
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Figure 78: Reasons why people spent less in 2018 – Financial factors, by category, January 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Beauty bargain hunters
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Figure 79: Proportion of people who spent less by “looking for the best deal”, by category, January 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Figure 80: Amazon ‘Find Beauty’, 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Are health concerns cutting into alcohol expenditure?
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Figure 81: Proportion of people who spent less due to non-financial factors, by category, January 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      • Ethical Buying Considerations

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Consumers most ethically-conscious when buying FMCG goods
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Figure 82: Ethical consideration taken into account, by retail sector, January 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Beauty and personal care proves most ethically driven purchase
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Figure 83: Launches in across the beauty and personal care category carrying ‘ethical – animal’ and ‘ethical – environmentally-friendly packaging’ claims, 2015-18
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Animal welfare is a major consumer concern
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Figure 84: Head & Shoulders Beach Plastic Bottle Momentum for Change Award, October 2017
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Corporate ethics: a semantic shift
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Figure 85: Ethical consideration taken into account, by retail sector, January 2019 vs May 2015
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Are people making more differentiation between “ethical” and “environmental” concerns?
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Ethical decision making follows traditional gender stereotypes
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Figure 86: Ethical consideration taken into account, by sector and gender, January 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Marketing re-enforcing the gender gap in ethical behaviour
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Figure 87: Schweppes’ ‘The Dress for Respect’ campaign, November 2018
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Factors Undermining Trust in Businesses

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Misuse of personal data; an ethical issue
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Figure 88: Behaviours that people consider would make a business untrustworthy, January 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • GDPR has brought privacy to the fore
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Figure 89: C4 Viewers Promise Campaign, 2016
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Tax avoidance proves leading cause for concern for over-65s
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Figure 90: Proportion of adults who cite “tax avoidance” as one of their top factors that they consider to make a business untrustworthy, by age and household income, January 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • People think companies should pay their fair share of taxes…
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • …but many blame legislators more than the companies themselves
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              • The importance of customer service
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              • Perceptions of Businesses

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Few deem multinational businesses good for the UK economy
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  • Figure 91: Correspondence Analysis – Words/phrases associated with different types of businesses, January 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  • Figure 92: Words/phrases associated with different types of businesses, January 2019
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • A nation of local business lovers
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  • Are multinationals killing Britain’s sense of community?
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    • Figure 93: Facebook UK ‘Let's Get To Work’ campaign, March 2018
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  • Bringing local businesses into the supply chain
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    • Figure 94: Amazon ‘Storefronts’ initiative, September 2018
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  • Meeting a higher ethical standard
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  • Appendix – Data Sources, Abbreviations and Supporting Information

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      • Abbreviations
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Consumer research methodology
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          • Correspondence analysis
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Forecast methodology
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Appendix – Food (Retail Market)

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 95: UK retail value sales of food (retail market), at current and constant prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Appendix – Alcoholic Drinks (Retail Market)

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 96: UK retail value sales of alcoholic drinks (retail market), at current and constant prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Appendix – Non-alcoholic Drinks (Retail Market)

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 97: UK retail value sales of non-alcoholic drinks, at current and constant prices, 2012-22
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Appendix – Beauty and Personal Care

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 98: UK retail value sales of beauty and personal care products, at current and constant prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Appendix – OTC and Pharmaceuticals

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 99: UK retail value sales of OTC and pharmaceuticals, at current and constant prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Appendix – Household Care

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 100: UK retail value sales of household care products, at current and constant prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Appendix – Fashion

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 101: UK retail value sales of clothing and accessories, at current and constant prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Appendix – Holidays

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 102: UK holidays market, at current and constant prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Appendix – Leisure

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 103: UK leisure market, at current and constant prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Appendix – Foodservice

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 104: UK retail value sales of foodservice, at current and constant prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Appendix – Home and Garden

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 105: UK retail value sales for home and garden products, at current and constant prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Appendix – Transport

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 106: UK transport market, at current and constant prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Appendix – Newsagents’ Goods

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 107: UK retail value sales of newsagents’ goods, at current and constant prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Appendix – Personal Finances

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 108: UK retail value sales of personal finance products, at current and constant prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Appendix – Housing

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 109: UK housing market, at current and constant prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Appendix – Technology and Communication

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 110: UK retail value sales of technology and communication products, at current and constant prices, 2013-23
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • Appendix – Miscellaneous Expenditure

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Figure 111: Miscellaneous expenditure, at current and constant prices, 2013-23

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            British Lifestyles: A New Understanding of Corporate Ethics - UK - April 2019

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            US $2,808.06 (Excl.Tax)