There has been a recent surge of interest in the market potential for mainstream financial
service firms to serve unbanked and marginally banked consumers. The financial services …

At least 10 million American households—disproportionately poor, minority, lower income
and young—are unbanked. Additional households conduct most of their financial …

This paper uses data from a new, large survey to estimate the demand for financial services
of low-and-moderate income households. We show that socio-economic characteristics …

In 2003 and 2004, MetroEdge conducted a survey of the financial behavior and attitudes of
lowand moderate-income households in Los Angeles, Chicago and Washington, DC. While …

When a bank proposes to absorb another bank through merger or acquisition, analysts must
determine whether the proposed transaction is likely to reduce the competitiveness of …

On March 13–14, 2003 a conference titled “Whither the Community Bank?” was held at the
Federal Reserve Bank of Chicago. The conference brought together approximately 50 …

This paper presents a strategy that banks can use to help “unbanked” households-those
who do not have accounts at deposit institutions-to join the mainstream financial system. The …

One in four American adults doesn't have a bank account. Low-income families lack access
to many of the basic financial services middle-class families take for granted and are …

Millions of Americans do not have a banking relationship with a traditional financial
institution. 1 The “unbanked”—estimated to be 13 percent of American households—use a …

As many as 12 million households in the United States either have no relationship with
traditional financial institutions or depend on alternative or “fringe” lenders for financial …