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Journal Article
Spotlight: Financial services: Banking within reach of more Mexicans
Skelton, Edward C. (2010-10)
In 2008-09, Mexico was wracked by the global financial crisis, suffering its largest one-year economic contraction since at least the 1930s. But the banking sector withstood the shock and made important strides in one area--bringing previously unbanked households into the financial system. Boosting Mexico's economic development by helping small businesses fulfill their potential depends on improving access to finance and fully linking these engines of economic growth and opportunity to the formal economy.
Southwest Economy , Issue Q4 , Pages 15

Journal Article
Native American Bank: banking the unbanked
Swan, Jon (2008-07)
In 2001, 21 tribes formed Native American Bancorporation, the first nationally focused tribal bank. A Chippewa Cree and former assistant vice president of commercial lending explains why NAB?s understanding of tribal law has helped the bank serve customers better.
Communities and Banking , Issue Sum , Pages 20-23

Journal Article
From mattress money to checking accounts: a profile of Bank on San Francisco
anonymous (2008-04)
Community Investments , Volume 20 , Issue Spr

Journal Article
Banking on Distributed Ledger Technology: Can It Help Banks Address Financial Inclusion?
Maniff, Jesse Leigh; Marsh, W. Blake (2017-07)
Despite its promise, distributed ledger technology is unlikely to draw unbanked consumers into the financial mainstream
Economic Review , Issue Q III , Pages 53-77

Journal Article
Promoting banking services among low-income customers
Blank, Rebecca M. (2008)
Many low-income people rely on payday lenders, check cashers, and other alternative financial service providers to get by. But the high costs make it hard for families to save. A 2008 Brookings Institution report highlights the reasons that the so-called unbanked turn to such services. It also suggests solutions-including both expanded bank offerings and increased access to government programs that stabilize incomes and reduce the need for emergency, high-cost credit.
New England Community Developments

Discussion Paper
Banking the Unbanked: The Past and Future of the Free Checking Account
Berre, Stein; Blickle, Kristian S.; Chakrabarti, Rajashri (2021-06-30)
About one in twenty American households are unbanked (meaning they do not have a demand deposit or checking account) and many more are underbanked (meaning they do not have the range of bank-provided financial services they need). Unbanked and underbanked households are more likely to be lower-income households and households of color. Inadequate access to financial services pushes the unbanked to use high-cost alternatives for their transactional needs and can also hinder access to credit when households need it. That, in turn, can have adverse effects on the financial health, educational ...
Liberty Street Economics , Paper 20210630a

Report
2018 Survey of Consumer Payment Choice
Foster, Kevin; Greene, Claire; Stavins, Joanna (2020-04-01)
In 2018, U.S. consumers made 72 payments per month on average, not a significant change from 2017.As in 2017, the most frequently used payment instruments were debit cards (34 percent of alltransactions), cash (24 percent), and credit cards (23 percent). Over the 11 years of the survey, debit,cash, and credit have consistently been the most popular ways to pay. For the first time in 2018, debitcards replaced cash as the payment instrument used most frequently for in-person purchases.Some key findings about medium-term trends from 2015 to 2018 include the following:• The share of consumers ...
Consumer Payments Research Data Reports , Paper 2019-2

Conference Paper
Payday lending: do the costs justify the price?
Samolyk, Katherine A.; Flannery, Mark J. (2005)
Proceedings , Paper 949

Journal Article
Payment Card Adoption and Payment Choice
Greene, Claire; Shy, Oz (2022-07-11)
Using data from the 2021 Diary of Consumer Payment Choice, this article investigates two questions: how do consumers without credit or debit cards make payments, and do consumers without these payment cards differ from other consumers?
Policy Hub , Volume 2022 , Issue 10

Conference Paper
Moving from unbanked to banked: evidence from the Money Smart program
Lyons, Angela C.; Scherpf, Erik (2005)
Using data collected from participants of the FDIC?s Money Smart program, this study investigates the impact that financial education has on an individual?s decision to move from unbanked to banked. To date, most programs and initiatives that target the unbanked define program impact by the number of bank accounts opened. This study provides evidence that the best measure of program ?success? may not be the number of accounts opened, but instead whether the program has provided the unbanked with the skills and tools necessary to make sound financial decisions given their financial ...
Proceedings , Paper 964

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