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米国の銀行口座非保有者層 (unbanked) および非銀行利用者層 (underbanked):第4版

Unbanked and Underbanked Consumers in the U.S., 4th Edition

発行 Packaged Facts 商品コード 269934
出版日 ページ情報 英文 148 Pages
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本日の銀行送金レート: 1USD=101.32円で換算しております。
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米国の銀行口座非保有者層 (unbanked) および非銀行利用者層 (underbanked):第4版 Unbanked and Underbanked Consumers in the U.S., 4th Edition
出版日: 2016年01月05日 ページ情報: 英文 148 Pages
概要

当レポートでは、米国の銀行口座非保有者層 (unbanked) および非銀行サービスに依存する非銀行利用者層 (underbanked) について調査し、これらの人口層の特徴、人口構成分析、金融商品・サービスの利用動向、金融商品・サービスに対するニーズ、銀行および代替的金融サービス事業者が提供する商品・サービスの動向などをまとめています。

エグゼクティブサマリー

調査範囲

調査サマリー

第1章 銀行口座非保有者層 (unbanked) および非銀行利用者層 (underbanked) の特徴

  • サマリー分析
  • FDIC世帯の分析
  • Packaged Factsの分析
  • 銀行口座非保有者層 (unbanked)人口動向
  • 非銀行利用者層 (underbanked)・銀行口座非保有者層 (unbanked)・銀行口座非保有 (unbanked) AFSユーザーの区分
  • 金融商品・サービスの利用
  • 代替的金融サービスユーザー:サービスタイプ別
  • 請求書支払い手法:動向
  • 主要調査結果
  • 代替的金融サービスの利用
  • Packaged Factsの長期動向分析
  • 世帯所得・人種/民族の影響
  • ヒスパニック系/ラテン系銀行口座非保有者層 (unbanked)
  • 雇用形態の関係
  • 地域・州別の分析
  • 請求書支払い
  • 小切手利用の減少
  • オンライン請求書支払い・クレジットカード・デビットカード/プリペイドカードの利用
  • 現金払いも依然として重要
  • マネーオーダー・オンライン請求書支払いの推移、など

第2章 銀行口座非保有者層 (unbanked)/非銀行利用者層 (underbanked) 向けバンキング商品の動向

  • サマリー分析
  • 銀行口座非保有者層 (unbanked) が銀行口座を持たない理由
  • 銀行口座:利用の課題と動機
  • 人口分析:人種/民族
  • 人口分析:世帯所得
  • 独自消費者分析:口座開設の動機
  • 銀行口座のイノベーション
  • 銀行のイノベーション
  • ノンバンクのイノベーション、など

第3章 代替的金融サービス

  • サマリー分析
  • 小切手換金業者
  • 消費者ローン
  • 質屋
  • 自動車担保ローン
  • 送金
  • AFS産業参入者
  • 代替的金融サービス:利用とその理由
  • 独自分析
  • 銀行口座非保有者層 (unbanked) AFSユーザー
  • FDIC分析
  • AFS利用の理由
  • トランザクションベースのAFS
  • クレジットベースのAFS
  • クレジットベースAFSを利用する理由
  • 法規制の影響
  • 産業動向
  • 多様化
  • オンラインの成長
  • セルフサービスキオスク
  • プリペイド・プリペイド・プリペイド
  • 小切手の換金
  • 消費者ローン
  • ペイデイローン
  • 質屋
  • 自動車担保ローン
  • 送金
  • P2Pと送金のコンバージェンス
  • PayPal国際送金
  • Western Union
  • Advance America/Grupo Elektra
  • Cash America
  • DFC Global Corp.
  • EZCORP
  • MoneyGram
  • Walmart
  • Western Union
  • World Acceptance Corp
  • Disruptors
  • Xoom、など

第4章 プリペイドカード

  • サマリー分析
  • 汎用再課金可能プリペイドカード
  • 市場規模・成長率
  • 成長推進因子・課題
  • プリペイドカードのイノベーション
  • 政府発行のプリペイドカード
  • 雇用者ペイロールカード
  • 汎用再課金可能プリペイドカード
  • 急速成長の製品区分
  • 市場機会
  • 産業成長の推進因子
  • ケーススタディ:Chase Liquid
  • ケーススタディ:PNC SmartAccess
  • 政府発行のプリペイドカード
  • Direct Express
  • PayPerks
  • 雇用者ペイロールカード、など

第5章 モバイルと国際的動向

  • サマリー分析
  • 米国
  • スマーフォン保持者
  • メキシコ
  • 世界の決済ネットワーク
  • VisaNetとモバイルバンキング、など

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目次
Product Code: LA5818073

The convergence in technology, mobile communications and regulatory change is shaping how banking and alternative financial services (AFS) providers tailor products and services to unbanked and underbanked consumers, while also causing lines to blur between P2P and remittances and between checking accounts and prepaid cards. In the process, traditional definitions of "unbanked" are being joining by such phrases as "the new middle class" and "tech-savvy college students," changing target audiences accordingly. Meanwhile, the use of AFS products and services has entered the mainstream, with more than 3 in 10 U.S. adults using at least one type of AFS product in the last 12 months, underscoring the market opportunity for banks and non-banks alike in helping to meet underbanked consumers' needs.

Unbanked and Underbanked Consumers in the U.S. analyzes trends shaping banking and alternative financial services products and services tailored to unbanked and underbanked consumers, giving industry participants the guidance they need to stay abreast of this growing and evolving market. The report assesses the following:The characteristics of unbanked and underbanked consumers, including trending the percentage of consumers who are personally unbanked and are non-institutional unbanked, by demographic, for the period 2005-2013.

  • Via proprietary consumer survey analysis, underbanked, unbanked & unbanked alternative financial services (AFS) users, by demographic; the payment methods they use; and the alternative financial services they use.
  • AFS usage overlap and usage frequency overlap, as well as 2000-2013 unbanked and are non-institutional unbanked bill payment method trends.
  • Unbanked/underbanked banking product trends, by using FIDC survey data exploring why the unbanked do not have accounts; using proprietary survey data to explore unbanked, underbanked and fully banked account opening motivators; and exploring challenges and trends related to bank account penalty fees, small dollar bank loans, lines of credit, and account transperancy.
  • How Model Safe Accounts are being applied in the marketplace, including the Citibank Access Account and the KeyBank Access Account; and we assess non-bank entrance via prepaid accounts that behave like checking accounts, including American Express' Bluebird and Green Dot's GoBank.
  • Trends shaping the alternative financial services industry, including check cashing, consumer loans, pawn loans, car title loans, and remittances, with accompanying participant analysis.
  • How and why banks and nonbanks are using general purpose reloadable prepaid cards to reach the unbanked and underbanked, including drivers and challenges; and prepaid card innovation, including Chase Liquid and PNC SmartAccess; and assess government issued prepaid card and employer payroll card trends.
  • The prevalence of smartphone access among unbanked and underbanked U.S. adults, including the relationship between unbanked status and smartphone ownership patterns among key unbanked and underbanked demographics; and we assess unbanked and mobile trends in Mexico.

Table of Contents

Executive Summary

Report Scope

Report Summary

  • Characteristics of Unbanked and Underbanked Consumers
  • The unbanked
  • The non-institutional unbanked
  • Unbanked demographic trends
  • Drawing distinctions between underbanked, unbanked & unbanked AFS users
  • Use of financial products and services
  • Alternative financial services users, by type of service
  • Usage overlap among AFS loan products
  • Method of bill payment: trends
  • Among unbanked
  • Among non-institutional unbanked
  • Unbanked/Underbanked Banking Product Trends
  • Why the unbanked do not have bank accounts
  • What would motivate the unbanked, underbanked and fully banked to open bank accounts?
  • Addressing bank account penalty fees
  • Addressing small dollar bank loans and lines of credit
  • Banks make strides with account transparency
  • Model Safe Accounts: trickling into the mainstream; poised for transformation
  • Citibank Access Account
  • KeyBank Access Account
  • But non-banks enter space with compelling propositions
  • American Express: Bluebird
  • Green Dot: GoBank
  • Alternative financial services
  • Check cashers
  • Consumer loans
  • Pawn loans
  • Car title loans
  • Remittances
  • AFS industry participants
  • Prepaid cards
  • General purpose reloadable prepaid cards
  • Market size and growth
  • Drivers and challenges
  • Prepaid card innovation
  • Government-issued prepaid cards
  • Employer payroll cards
  • Mobile and international trends

Chapter 1: Characteristics of Unbanked and Underbanked Consumers

  • Summary analysis
  • FDIC household analysis sets the stage
  • Packaged Facts analysis: personally unbanked & non-institutional unbanked
  • The unbanked
  • The non-institutional unbanked
  • Unbanked demographic trends
  • Drawing distinctions between underbanked, unbanked & unbanked AFS users
  • Use of financial products and services
  • Alternative financial services users, by type of service
  • Usage overlap among AFS loan products
  • Method of bill payment: trends
  • Among unbanked
  • Among non- institutional unbanked
  • Setting the stage: FDIC survey findings
  • Key findings
  • Use of alternative financial services
  • Packaged Facts' long-term trend analysis
  • 2005-2013 unbanked and "non-institutional unbanked" trends
  • HH income and race/ethnicity influence results
  • Unsettling trends among young adults and female household heads
  • Table 1-1: Unbanked Consumers, by Demographic, 2005-2013
  • Almost half of unbanked have not used a traditional financial institution in past 12 months
  • These "non-institutional unbanked" consumers represent almost 20% of adults
  • Percentage of "non-institutional unbanked" also on the rise
  • Table 1-2: Non-Institutional Unbanked Consumers, by Demographic, 2005-2013
  • Hispanic/Latino unbanked & non-institutional unbanked
  • Hispanic unbanked
  • Table 1-3: Unbanked: All Consumers vs. Hispanic Consumers, by HH Income Bracket, 2005-2013
  • Hispanic non-institutional unbanked
  • Table 1-4: Non-Institutional Unbanked: All Consumers vs. Hispanic Consumers, by HH Income Bracket,2005-2013
  • Full-time employment relationship to unbanked & non-institutional unbanked
  • Table 1-5: Percent of Unbanked & Non-Institutional Unbanked: All Consumers vs. Full-Time Employed,2005-2013
  • Regional and state-by-state analysis: 2013
  • Table 1-6: Percentage of Unbanked Consumers, by Nielsen Marketing Region, 2013
  • Table 1-7: Percentage of Unbanked Consumers, by State, 2013
  • Our 2013 unbanked/underbanked/fully banked/AFS user analysis
  • Drawing distinctions between underbanked, unbanked and unbanked AFS users
  • Our findings
  • Table 1-8: Fully Banked, Banked, Underbanked, Unbanked, Alternative Financial Services (AFS) Users & Unbanked AFS Users, by Demographic, 2013
  • Use of financial products and services
  • Underbanked and unbanked use of payment instruments
  • Underbanked and AFS users vs. unbanked and unbanked AFS users
  • Table 1-9: Use of Payment Instruments & Loans: Fully Banked, Banked, Underbanked, Unbanked, Alternative Financial Services (AFS) Users & Unbanked AFS Users, 2013
  • Alternative financial service users, by type of service
  • Check cashing most prevalently used
  • Table 1-10: Alternative Financial Services: Use in Last 12 Months, by Type; Have Payroll Card, 2013
  • HH income and race/ethnicity influence check cashing, money order, and pawn use
  • Table 1-11: Alternative Financial Services Use: Check Cashing, Money Order Purchasing, Pawning & Payday Loans in Last 12 Months, by Demographic, 2013
  • Cross-use of AFS loan products
  • Introduction
  • Most people use more than one AFS product
  • Significant usage overlap among AFS loan products
  • High-frequency usage of one loan: correlations to high-frequency use of others
  • High-frequency auto title loan usage a different story
  • Table 1-12: Consumers' Use & Cross-Use of Alternative Financial Services, by Type & Frequency of Use,2012
  • Unbanked use of AFS loans higher than average
  • Unbanked high-frequency usage of one loan: correlations to high-frequency use of others
  • Table 1-13: Unbanked Consumers' Use & Cross-Use of Alternative Financial Services, by Type & Frequency of Use, 2012
  • Underbanked use of AFS loans most prevalent
  • Underbanked high-frequency usage of one loan: correlations to high-frequency use of others
  • Table 1-14: Underbanked Consumers' Use & Cross-Use of Alternative Financial Services, by Type & Frequency of Use, 2012
  • Bill payment preferences
  • Prepaid cards gaining traction as bill payment method
  • Check usage declines during 2005-2013 but remains prevalent
  • Online bill payment, credit cards, debit cards/prepaid card use rise; cash make a comeback
  • Table 1-15: Consumer Household Bill Payment Preferences: Cash, Check, Credit Card, Debit/Prepaid,
  • Money Order, Online Bill Pay, 2009-2013
  • Among unbanked debit/prepaid cards a big bill payment winner
  • But cash remains important bill payment method
  • Table 1-16: Unbanked Household Bill Payment Preferences: Cash, Check, Credit Card, Debit/Prepaid,
  • Money Order, Online Bill Pay, 2009-2013
  • Non-institutional unbanked rely heavily on cash; higher growth rate noted
  • Table 1-17: Unbanked w/ No Banking Relationship Household Bill Payment Preferences: Cash, Check,
  • Credit Card, Debit/Prepaid, Money Order, Online Bill Pay, 2009-2013

Chapter 2: Unbanked/Underbanked Banking Product Trends

  • Summary analysis
  • Why the unbanked do not have bank accounts
  • What would motivate the unbanked, underbanked and fully banked to open bank accounts?
  • Addressing bank account penalty fees
  • Addressing small dollar bank loans and lines of credit
  • Banks make strides with account transparency
  • Model Safe Accounts: trickling into the mainstream; poised for transformation
  • Citibank Access Account
  • KeyBank Access Account
  • But non-banks enter space with compelling propositions
  • Bluebird
  • GoBank
  • Bank accounts: usage challenges and motivations
  • Why people do not have bank accounts
  • Need
  • High bank account fees/minimum balance requirements
  • Trust
  • Table 2-1: All Adults, Unbanked & Non-Institutional Unbanked: Percent Uncomfortable Trusting Money to a Bank, Agree a Lot & Any Agree, 2008-2013
  • Demographic analysis: race/ethnicity
  • Table 2-2: Reason Household is Unbanked, by Race/Ethnicity, 2011
  • Demographic analysis: HH income
  • Table 2-3: Reason Household is Unbanked, by HH Income, 2011
  • Demographic analysis: Nativity and Spanish-only spoken in home
  • Table 2-4: Reason Household is Unbanked, by Nativity and Spanish-Only Spoken in Home, 2011
  • Proprietary consumer survey analysis: account opening motivators
  • Unbanked: Lack of funds & prepaid options influence motivation
  • Underbanked influenced by range of motivations-more so than banked consumers
  • Table 2-5: Motivators to Open Bank Account: Unbanked, Underbanked & Fully Banked, 2013
  • Why is a bank account important?
  • Electronic banking affects need for banking account
  • But today's checking accounts make lower-income consumers more vulnerable to fees
  • Overdraft concerns linger
  • Overdraft fees versus NSF fees
  • Overdrawing accounts still persists
  • More and more consumers denied account access?
  • New York attorney general looks into it
  • Bank account innovation
  • Deposit advances
  • Under fire
  • Table 2-6: Comparison: Conventional Payday Loan vs. Bank Deposit Advance Loan, 2013
  • FDIC guidance clears the air
  • Lines of credit
  • Key Basic Line of Credit
  • Table 2-7: Key Basic Line of Credit: Characteristics, 2013
  • Fee transparency
  • Checking account fee transparency improving
  • FDIC Model Safe Accounts
  • Encourage adoption of "checkless" checking
  • Table 2-8: FDIC Model Safe Accounts: Core Features/Fees & Auxiliary Services and Fees, 2013
  • Cost to banks: low
  • Bank innovation
  • In practice: Citi Access Account
  • New York City pilot
  • Marketing approach
  • Account profitability
  • Distinguishing feature: remittance
  • In practice: KeyBank Access Account
  • An "access" account
  • Positive uptake, strong account growth
  • Illustration 2-1: KeyBank Access Account: Web Marketing Graphic, 2013
  • Comparing KeyBank Access Account customers to its mass customers
  • Illustration 2-2: KeyBank Access Account: Rates and Fees
  • Table 2-9: KeyBank Access Account: Characteristics & Metrics, 2013
  • Non-bank innovation
  • In practice: American Express's Bluebird
  • Bluebird helps set the bar
  • Illustration 2-3: "Say hello to Bluebird" Marketing Graphic, 2013
  • Features
  • Table 2-10: American Express Bluebird: Fees and Characteristics, 2013
  • Targeting the "alternative-to-banking category"
  • Target audience: The new middle class
  • The addressable alternative-to-banking market
  • How can they offer it so cheaply?
  • Reception
  • In practice: Green Dot's GoBank
  • Target audience
  • Illustration 2-4: Green Dot GoBank Web Marketing Graphic, 2013
  • Voluntary monthly fee
  • Illustration 2-5: Green Dot GoBank Monthly Membership Payment Slider, 2013
  • But $9 customized debit card fee

Chapter 3: Alternative Financial Services

  • Summary analysis
  • Check cashers
  • Consumer loans
  • Pawn loans
  • Car title loans
  • Remittances
  • AFS industry participants
  • Alternative financial services: usage and reasons for use
  • Proprietary analysis
  • Table 3-1: Fully Banked, Banked, Underbanked, Unbanked, Alternative Financial Services Users &
  • Unbanked AFS Users, 2013
  • FDIC analysis
  • Reasons for using AFS
  • Transaction-based AFS
  • Reasons for using transaction-based AFS
  • Credit-based AFS
  • Reasons for using credit-based AFS
  • How DFC Global Corp. segments its customers
  • Regulation significantly affects access and use of products
  • Example: payday loans
  • Industry trends
  • Diversification
  • Online growth
  • Self-service kiosks
  • For credit unions, too
  • Expanding MTO locations
  • Prepaid, prepaid, prepaid
  • Check cashing
  • Unbanked and underbanked receive income as paper checks
  • Check cashing stores still very relevant
  • Provision of additional alternative financial services a draw
  • Table 3-2: Unbanked, Underbanked & Fully Banked Who Receive Income as Checks & Who Use Check Cashing Stores: Population and Share, 2012
  • A costly proposition
  • Table 3-3: Average Percent Charged by Check Cashers, by Dollar Amount and Type of Check, Massachusetts, 2012
  • Basic bank accounts a less costly alternative
  • Important limitations: what about overdrafts?
  • Table 3-4: Fee Comparison: Check Cashing vs. Massachusetts Basic Banking, by Income, 2012
  • Consumer loans
  • Payday loans
  • Payday loans causing overdrafts?
  • Storefront versus online borrowers
  • Payday consumer complaints given voice?
  • Payday lenders pivot to installment loans
  • Pawn loans
  • Product expansion and diversification
  • Pawn, payday and prepaid-with rewards!
  • Is a prepaid card that incents pawn and payday loan use a good idea?
  • Table 3-5: CashPass Prepaid MasterCard Fees & Platinum Club Rewards Program, 2013
  • Car title loans
  • Table 3-6: Car Title Loan Characteristics
  • Remittances
  • Operators
  • Channels
  • Behind in online
  • Population universe: domestic and international P2P/remittance
  • Table 3-7: U.S. Adults Who Send and Who Receive Money: U.S.-to-U.S. and U.S. to/from International, 2006-2013
  • More than 4 in 10 international remitters unbanked
  • Table 3-8: Percentage U.S.-to-International Money Senders Who Are Unbanked & Non-Institutional Unbanked, 2005-2013
  • Western Union and MoneyGram most prevalently used, but other methods gaining ground
  • Table 3-9: U.S. Adults Who Send Money: U.S.-to-International, Methods Used in Past 12 Months, 2010-2013
  • Convergence of P2P and remittances
  • PayPal international remittances
  • Remittance costs declining
  • Costs of remittances at banks decline-now cheaper than a money transfer operator
  • Graph 3-1: Cost to Send $200 from U.S. to Mexico: Fees, Exchange Rate Margin & Total Cost, Q1 2010 to Q1 2013
  • Online methods generally cheapest; banks are in the middle
  • Table 3-10: Cost to Send $200 from U.S. to Mexico, by Remittance Service: Q1 2013
  • Proprietary survey analysis: U.S. immigrants remitting to Mexico
  • Respondent analysis
  • Low HH incomes do not stop remitters from sending significant amounts
  • Connected to the internet and mobile; higher smartphone penetration than U.S. average
  • Majority are banked
  • Table 3-11: U.S. Mexican Immigrant Remitters: Basic Demographics, Banking Relationships & Amount
  • Sent: 2013
  • But internet-driven methods to send money are not used
  • Face-to-face transfers lend sense of security and trust
  • And few use banks to send money
  • Western Union: a popular choice, but complaints about cost
  • Table 3-12: U.S. Mexican Immigrant Remitter's Primary Method of Sending Money to Mexico: 2013
  • Table 3-13: U.S. Mexican Immigrant Remitters: Primary Method of Receipt in Mexico: 2013
  • Cross tabbing notes
  • Qualitative participant assessments
  • Maria's priorities: security for recipient; convenience and cost for sender and recipient
  • Miguel's priorities: building a home in Mexico and gauging the exchange rate
  • Teresa: convenience and cost drive the decision
  • Carlos: no banking relationship, paid in cash, and an Intermex user
  • Industry participants
  • Advance America/Grupo Elektra
  • Table 3-14: Advance America/Grupo Elektra Location, Q1 2012 vs. Q1 2013
  • Cash America
  • Growth strategy and product trends
  • Revenue passes $1 billion
  • DFC Global Corp.
  • U.S. footprint
  • Product trends
  • United States sales performance
  • EZCORP
  • U.S. footprint
  • Consumer loan activities
  • Kiosks
  • U.S. consumer lending performance
  • MoneyGram
  • Balancing emerging services with cash-to-cash core
  • Walmart remains big business
  • Expanding its retail footprint
  • Kiosk acquisition
  • Online and mobile expansion
  • Tying up with PayPal
  • Bill payment services
  • U.S. to U.S. & U.S. to international transaction trends
  • Western Union
  • Consumer-to-consumer services
  • Prepaid platform
  • Table 3-15: Western Union MoneyWise Prepaid Card Fees, 2013
  • Table 3-16: Walmart MoneyCard Basic, Preferred and Plus Prepaid Card Fees, 2013
  • Account-to-account remittances
  • Performance trends
  • Retail and mobile expansion
  • U.S. digital gaining traction
  • Stickier customers
  • Money transfer app
  • World Acceptance Corp
  • Products and services
  • Disruptors
  • Xoom
  • An enticing value proposition
  • Mobile leadership
  • Overcoming security concerns
  • Start-ups harness technology to enhance remittance/money transfer process

Chapter 4: Prepaid Cards

  • Summary analysis
  • General purpose reloadable prepaid cards
  • Market size and growth
  • Drivers and challenges
  • Prepaid card innovation
  • Government-issued prepaid cards
  • Employer payroll cards
  • General purpose reloadable prepaid cards
  • Fast growing product segment
  • Market opportunity
  • Consumer, corporate and government growth
  • Increasingly prevalent among unbanked
  • Table 4-1: Prepaid Card Use in Last 12 Months: All Adults, Unbanked & Institutional Unbanked, 2010-2013
  • Industry growth drivers
  • Prepaid debit exception
  • Durbin Amendment court battles could generate more interest in prepaid
  • Ramifications for unbanked
  • Good choice for inexperienced, overdrafting consumer?
  • Less expensive to use than checking accounts?
  • Challenges
  • CFPB assessment and regulation
  • Electronic in, but cash out
  • Prepaid cards not "sticky" without direct deposit
  • Where is the relationship?
  • Prepaid ATM fee advantage
  • Bank prepaid innovation
  • In practice: Chase Liquid
  • Low cost to bank
  • Marketing approach
  • Simplicity, low cost and transparency
  • Table 3-10: "How Chase Liquid Works": Web Marketing Graphic, 2013
  • Target audience
  • Table 4-2: Chase Liquid Customers: New to Bank vs. Existing, Banking History & Banked Status, 2013
  • How many "newly" banked customers is Chase Liquid really bringing into the banking fold?
  • In practice: PNC SmartAccess
  • Illustration 4-1: PNC SmartAccess Web Marketing Graphic, 2013
  • What about bill payment?
  • Migration to traditional checking accounts is possible
  • Non-bank prepaid innovation
  • Green Dot
  • Location expansion
  • Product expansion
  • Tiered pricing and features targeting specific groups, to drive usage and retention
  • Table 4-3: Walmart MoneyCard Card Fee Plan, Basic, Plus and Preferred Card Options, 2013
  • Adding affinity cards
  • Government-issued prepaid cards
  • Widening scope of distribution
  • Prepaid cards disperse 13% of government funds
  • Revenue and fee generation
  • Cash rules
  • Direct Express
  • Electronic mandate phasing out paper checks
  • A model card?
  • And a great deal for users
  • But for the market, too good of a deal?
  • Table 4-4: Direct Express Prepaid Debit Card Fee Analysis, 2013
  • PayPerks
  • How it works
  • Widening reach
  • Employer payroll cards
  • Fee concerns and forced acceptance
  • Followed by a warning

Chapter 5: Mobile and International Trends

  • Summary analysis
  • United States
  • Who's got a smartphone?
  • Table 5-1: Percent of U.S. Adults Owning Mobile Phones & Smartphones, with Smartphone Share, by Demographic, 2012-2013
  • Unbanked status does not significantly alter smartphone ownership patterns
  • Table 5-2: Percent of All Unbanked & Non-Institutional Unbanked Adults Who Use a Smartphone, by Demographic, 2013
  • Mexico
  • Graph 5-1: Financial Institution & Mobile and Electronic Payment Opportunity Analysis: 2012
  • Challenge: the rural and impoverished
  • Poverty is a part of the equation
  • Graph 5-2: Poverty in Mexico, 2012
  • Table 5-3: Mexico Urban and Rural Poverty headcount Ratio: 2011
  • Lots of mobile phones, little financial inclusion
  • Government data reveals seeds of online banking usage
  • A strong, entrenched cash culture
  • Table 5-3: Cash, Credit Card, Debit Card, Prepaid Card, Check & Money Order Usage, by Consumer
  • Expenditure Category: 2013
  • Global payment networks
  • VisaNet and mobile banking
  • Appendix
  • Methodology
  • Consumer survey methodology
  • Terms and definitions
  • Unbanked and underbanked
  • Other terms and definitions
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