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Bank Systems & Technology July 28, 2006 Maria Bruno-Britz	Targeting the Unbanked/Underbanked With the Right Solutions To target the unbanked/underbanked market, banks are deploying a variety of solutions, including cards, remittances, and tailored risk and credit scoring models.
Bank Systems & Technology March 27, 2008 Nancy Feig	Banks Adopting More Strategies to Court Underbanked Banks' interest in helping the underbanked isn't entirely altruistic. While the average account of an underbanked person may not seem substantial, as a group, the underbanked spend at least $13 billion per year on non-bank financial transactions.
Bank Systems & Technology August 3, 2005 Maria Bruno-Britz	Milk, Bread, Pay Cable Bill Banks should view retail services such as Info Touch's TIO Network as a first step for consumers who currently do not bank. If a bank forms a relationship with a retailer, when consumers are ready for more services, the bank will be right there, whether it's behind the scenes or up-front.
Bank Systems & Technology September 28, 2005 Katherine Burger	ROI Doesn't Matter When does an opportunity become an obligation? This is the urgent question facing the banking industry regarding serving the unbanked and underbanked U.S. population.
Bank Systems & Technology February 29, 2008 Maria Bruno-Britz	KeyBank Uses Prepaid Cards to Reach Underbanked KeyBank has been courting the unbanked with its PayWorks payroll card product for more than eight years, capitalizing on this growing area of opportunity for banks.
Bank Systems & Technology September 11, 2007 Maria Bruno-Britz	Central National Bank Finds Growth Opportunities In Prepaid Card Space Its deal with Postilion enables CNB to and process pre-paid cards for other banks and retailers.
U.S. Banker April 2007 Lee Conrad	Landing the Unbanked With Lure Aiming to Build Credit The unbanked market spends about $1 trillion a year, and banks are making a beeline for that business, particularly with prepaid cards. There are only a finite number of people, after all.
Bank Technology News March 2007 John Adams	Payments: Automation is Washing Money Orders Away Prepaid cards are the new vehicle of choice among the unbanked who have long endured high money order fees. Payments firms better take note.
Bank Systems & Technology August 30, 2005 Maria Bruno-Britz	Giving Credit Where Credit Is Due Even though much of banks' future, nonmerger-related growth will be derived from the unbanked or underbanked, some banks might feel the use of alternative data in granting credit to this segment is too risky.
Bank Technology News June 2007 Holly Sraeel	The Politics Of Lending Loom Large Over the Unbanked Because some people assume "the unbanked" is code for undocumented immigrants, banks find themselves perched on the horns of a public opinion dilemma. Are banks breaking their social contract with Americans, or is the U.S. failing with its immigration policy?
Bank Systems & Technology July 11, 2007 Maria Bruno-Britz	Underbanked Segment Welcomes Banking Relationships The underbanked are a more-complex customer market than previously believed, new research shows. Fortunately, technology can help banks better serve this potential customer segment.
U.S. Banker May 2007 Holly Sraeel	Prepaid Forecast Bodes Well for Financial Players Regulation, the ability to achieve scale and consumer-adoption rates are all factors that must be weighed in banks' prepaid plans. Still, the future of prepaid is clear. So what are banks waiting for?
Bank Systems & Technology August 1, 2007 Nancy Feig	Banking Customers More and More Mistrustful of Financial Institutions It's not just security breaches that are causing consumers to lose faith in their financial institutions. Consumers in general are more demanding, and this attitude spills over into the relationships they have with their banks.
Bank Systems & Technology February 25, 2010 Katherine Burger	New York City's Underbanked Population: Growing and Mistrustful of Banks New research show 13 percent of New York City households lack bank or credit union accounts.
Bank Systems & Technology March 27, 2008 Nancy Feig	Microfinance Making Headway In Serving Underbanked Microfinance provides sustainable access to credit and savings for the poor.
Bank Systems & Technology January 29, 2008 Maria Bruno-Britz	Evolving Card Business Presents Opportunities and Threats for Banks Rapid advances in technology, the recent IPOs of Visa and MasterCard, an uncertain economy, and shifting consumer behaviors all are converging to create a whirlwind of change -- and opportunity -- in the card space.
Reason April 2002 Mike Lynch	Finance on the Fringe America's check cashers don't exploit the poor; they serve them...
Bank Systems & Technology January 3, 2006 Maria Bruno-Britz	A Payroll Card of a Different Stripe The latest plan to enable consumers to bypass their banks for their financial needs involves a debit-based payroll card issued by Affinity Card Systems (ACS). The card is being targeted at the financially underserved, the unbanked, students and highly mobile people.
The Motley Fool February 28, 2011 Aditi Baid	How to Profit Along With Underbanked Americans Prepaid debit cards cater to a large chunk of the underbanked American population.
U.S. Banker October 2008 Joseph Rosta	Banking Gap Prevails for Hispanics and Blacks Many American minorities don't have any type of bank account.
Bank Technology News July 2011	A Tempest in a Kiosk Though Walmart is expanding its repertoire of financial-services offerings, its kiosk merchandising poses no threat to banks.
Bank Systems & Technology February 11, 2009 Orla O'Sullivan	Prepaid Debit Cards Threaten Checking Accounts: New Research One in seven consumers would do better with a card, Aite Group says, but banks can still benefit.
U.S. Banker December 2010	Get Creative & Innovative As community banks confront their many challenges, some are coming up with inventive strategies to attract more deposits, generate fee income, branch more cheaply, support local businesses and improve their communities. Here are nine ideas that just might be worth borrowing.
U.S. Banker March 2007 Lee Conrad	Hispanic Demographic Commands Top Attention The Hispanic demographic is becoming ever more promising for mainstream and niche banks alike. But don't believe the Hispanic business owner is like the average business owner. He's not.
BusinessWeek January 17, 2005 Brian Grow	Tapping A Market That Is Hot, Hot, Hot With Hispanics' wealth and population rising three times faster than the U.S. average, the FDIC predicts that they will account for more than 50% of U.S. retail banking growth over the next decade, yet 56% have no bank accounts.
Bank Systems & Technology January 30, 2008 Maria Bruno-Britz	City National Bank Appoints Rodney Banks VP of Commercial Banking Services Rodney Banks, new executive VP and manager of commercial banking services at Los Angeles-based City National Bank, says customer relationship management solutions are more vital now than ever before.
Bank Systems & Technology January 1, 2007 Nancy Feig	KeyBank Brings the Unbanked Into the Bank KeyBank Plus offers individuals check cashing for payroll and government checks, and money order purchasing, all at a discounted rate, without requiring the opening of an account with KeyBank.
Bank Systems & Technology November 1, 2005 Maria Bruno-Britz	Western Union Flying High With Cash Payments A deal between Western Union, a subsidiary of payments solutions provider First Data, and American Airlines, offers underbanked consumers the ability to purchase American Airline tickets at local Western Union locations.
Bank Technology News September 2002 Karen Krebsbach	Following The Money Banks are gunning for a larger share of the $9.2 billion wired home annually by Mexican nationals in the U.S. But the Mexican government, with its own remittance plan, could be the dark horse in this race.
Bank Systems & Technology February 27, 2006 Phil Britt	All-Transaction Machines? The U.S. military recently installed on bases self-service kiosks that enable military and support personnel to use smart cards in lieu of cash for purchases at military-operated concessions.
Bank Systems & Technology March 27, 2008 Peggy Bresnick Kendler	The Credit Crisis Has Increased Scrutiny on Trade Finance The global credit crisis has emphasized the importance of cash management while intensifying the spotlight on corporate governance and banks' risk management practices
Bank Systems & Technology June 26, 2006 Maria Bruno-Britz	Lands of Opportunity The international opportunities for U.S. banks with the right IT and know-how can be huge, provided they follow the appropriate strategy.
Bank Technology News June 2002 Jan Jaben Eilon	Small Business Entices Marketers With over 5 million small businesses in America, banks are realizing the potential in this market.
Wall Street & Technology April 14, 2008 Cory Levine	Gartner Offers Financial Institutions Tips to Broaden Client Relationships By helping customers better manage their finances with access to external data, financial institutions can broaden their customer relationships and meet some of their own short-term cost and revenue challenges.
U.S. Banker July 2008 Anthony Malakian	CheckSpring Community Bank Checks (Out) the Bronx The trio who founded CheckSpring Community Corp. in 2001 saw a promising challenge: banking the unbanked.
U.S. Banker January 2008 Anthony Malakian	Turning Up the Volume On 401(k) Conversation Investment firms have made a strong push into banks' domain and these institutions need to start pushing back.
The Motley Fool February 12, 2008 Dan Caplinger	Where You'll Find the Best Rates As customers have moved to the Internet for financial solutions, banks have paid attention.
U.S. Banker July 2011 Laura Thompson Osuri	The Truth About the Underbanked A dearth of relationships with the underbanked has perpetuated the shortage of insight into how low-income consumers manage their finances. Enter the U.S. Financial Diaries.
Bank Technology News June 2007 Michael Sisk	America's Great Divide About 73 million people in the U.S. are unbanked or underbanked, a marketplace that is as diverse as it is unknown. Banks will find a bevy of new risk tools to help reach out to this emerging credit market.
U.S. Banker December 2007 Anthony Malakian	Being All Things to All People Isn't So Profitable To combat lost opportunity and money, banks are now turning to science-behavioral science to help market to the right people.
U.S. Banker June 2010	Kill Rate: 240 Banks a Year In the past 20 years, community banks have lost most of their consumer loan volume to credit unions and finance companies.
Bank Systems & Technology January 31, 2006 Maria Bruno-Britz	Prepping for Prime Time For technology, the world of banking can be likened to a major movie production in which scores of actors clamor for only a few coveted spots. There are, however, scattered among the extras, a few stars waiting for someone with a careful eye to recognize their potential.
Bank Technology News November 2003	By The Numbers A big surprise is that usage of benefit and payroll cards actually increased with income level among respondents of a recent Financial Insights survey, which defies conventional wisdom.
U.S. Banker March 2009 Anthony Malakian	Prepaid Goes Mainstream as Adoption Increases As traditional credit becomes scarcer, even mainstream consumers are starting to use prepaid cards more frequently.
Bank Systems & Technology October 22, 2007 Nancy Feig	Cross-Border Payments: What Role Do Banks Play in Remittances? At $250 billion, the market for cross-border, consumer-to-consumer remittance payments already is huge. But with the World Bank estimate of 30% year-over-year growth, the market is one banks no longer can ignore.
Bank Systems & Technology March 27, 2008 David Conroy	Corporate Clients Increasingly Looking to Banks to Mitigate Trade Finance Risks How can banks pursue growth opportunities in global trade finance in, for example, emerging markets? What technology investments must banks make to meet these new demands?
CRM September 8, 2015 Dan Moultrie	Financial Institutions Should Bank on Knowing Their Customers Finding out what customers want, and how they prefer to interact, is to key to profitability.
CIO January 24, 2014 Kim S. Nash	CIO Helps Civil War-Era Company Find Its Digital Future Western Union has survived dramatic business upheavals before. Can its CIO help this venerable company survive the digital payments revolution?
Bank Technology News June 2010 Sara Lepro	A Sweeter Customer Experience Cool. Hip. Fresh. That's how some experts have referred to Mango Financial Inc., a start-up targeting underbanked consumers.
U.S. Banker January 2008 Lee Conrad	Banks Newest Growth Plan: Investing in Other Banks Banks both big and small are increasingly investing in other financial entities to expand their own growth plans.