[HTML][HTML] Unbanked in America: a review of the literature
P Boel, P Zimmerman - Economic Commentary, 2022 - clevelandfed.org
Economic Commentary, 2022•clevelandfed.org
… We review the recent literature on the causes and consequences of financial exclusion—that
is, the lack of bank account ownership—in the United States. We examine existing work in a
range of fields, including economics, finance, public policy, and sociology. … The analysis finds
that immigrants as a group are significantly less likely to have bank accounts than people born
in the United States, with Mexican and other Latin American immigrants displaying the highest
unbanked rates. Using a probit model, Rhine and Greene (2006) find many of the same factors …
is, the lack of bank account ownership—in the United States. We examine existing work in a
range of fields, including economics, finance, public policy, and sociology. … The analysis finds
that immigrants as a group are significantly less likely to have bank accounts than people born
in the United States, with Mexican and other Latin American immigrants displaying the highest
unbanked rates. Using a probit model, Rhine and Greene (2006) find many of the same factors …
We review the recent literature on the causes and consequences of financial exclusion—that is, the lack of bank account ownership—in the United States. We examine existing work in a range of fields, including economics, finance, public policy, and sociology.
clevelandfed.org
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