Cover Image
市場調查報告書

實踐善行以擴大業績:銀行非用戶層、無銀行帳戶層的金融服務提供模式和提供途徑

Doing Well by Doing Good: Delivery Models and Channels Serving the Financially Underserved

出版商 Mercator Advisory Group, Inc. 商品編碼 573501
出版日期 內容資訊 英文 18 Pages
商品交期: 最快1-2個工作天內
價格
Back to Top
實踐善行以擴大業績:銀行非用戶層、無銀行帳戶層的金融服務提供模式和提供途徑 Doing Well by Doing Good: Delivery Models and Channels Serving the Financially Underserved
出版日期: 2017年11月01日 內容資訊: 英文 18 Pages
簡介

本報告提供美國的金融包容狀況與對無銀行帳戶層的金融服務的提供模式、提供途徑的相關調查,未持有銀行帳戶的理由,銀行服務提供的困難,無銀行帳戶層解決方案的全球成功案例,這些金融商品的特徵與經營模式的通用點等彙整資料。

本調查的重點

  • 未持有銀行帳戶的理由和美國的無銀行帳戶層的銀行服務提供的困難
  • 對無銀行帳戶層的推廣成功的全球解決方案範例
  • 商品的特徵、經營模式的通用性
  • 美國國內的商品&客戶經驗方法和海外範例的比較
  • 美國的供應商比較:銀行供應商、計劃管理者、替代金融服務供應商

刊載企業

  • Amazon
  • Apple
  • BB&T
  • Green Dot
  • InComm
  • J.P. Morgan Chase
  • Mango
  • Millicom
  • Money on Mobile
  • NetSpend
  • PayPal
  • PayTM Payments Bank
  • Reserve Bank of India
  • Safaricom
  • Vodafone
  • Walmart
  • Wing Limited Specialized Bank
目錄

Solving the problem of financial inclusion can benefit both the "unbanked" and financial services providers.

Mercator Advisory Group releases new research analyzing the state of financial inclusion in the U.S. and comparing product solutions with those succeeding in other countries.

Lack of affordable formal banking solutions affects over 15 million adults in the United States. Even as employment numbers improve domestically, the number of unbanked individuals remains stubbornly high.

Financial inclusion has long been a goal in countries around the world. Finding ways to offer solutions that provide financial inclusion for the unbanked and underbanked-and do so profitably for the providers-is the topic of a new research report from Mercator Advisory Group titled Doing Well by Doing Good: Delivery Models and Channels Serving the Financially Underserved. Solutions that are succeeding in several developing economies are reviewed, and selected solutions in the United States are profiled.

"In the U.S., access to banking services is not the problem that it is in many of the developing countries. Financial services products are readily available, but not always at a price affordable by potential users or with the right fee structure to meet their needs. The 'unbanked' are often faced with unpredictable financial balances and can't always pay the price necessary to keep an account open and current. At the same time, financial institutions need recurring revenue to be able to support technology and regulatory infrastructure, creating a friction that impedes product adoption," commented Sarah Grotta, Director, Debit and Alternative Products Advisory Service at Mercator Advisory Group, author of the report.

This report has 18 pages and 6 exhibits.

Companies mentioned in this report include: Amazon, Apple, BB&T, Green Dot, InComm, J.P. Morgan Chase, Mango, Millicom, Money on Mobile, NetSpend, PayPal, PayTM Payments Bank, Reserve Bank of India, Safaricom, Vodafone, Walmart, and Wing Limited Specialized Bank.

One of the exhibits included in this report:

image1

Highlights of the report include:

  • The reasons why individuals are unbanked and the difficulties in supplying banking services to affect the population of unbanked in the U.S. materially
  • A look at some noted solutions around that world that have been highly successful in their outreach to the unbanked population
  • The commonalities of product features and business models among these products
  • A discussion of the product and customer experience approach domestically in the U.S. and how that contrasts with examples outside the U.S.
  • A comparison of providers in the U.S. categorized as bank providers, program managers or alternative financial services providers.
Back to Top