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Banking the Unbanked
Jonathan William Welburn
Robert Bozick
Maya Buenaventura
David Metz
Vegard M. Nygaard
Patricia K. Tong
Kelsey O'Hollaren
Jessie Coe
Jessie Wang
Lane F. Burgette
Katherine Burnham
Jim Robert Mignano
Shannon Prier
Natalie Cox
Chandra Garber
Anujin Nergui
Kami Ehrich
Elizabeth Marsolais
Samuel Absher
George Zuo
Rakesh Pandey
Lily Hoak
Nicolas Robles
James C. Syme
其他書名
Calaccount Market Study and Feasibility Assessment
出版
RAND Corporation
, 2024-10-31
主題
Business & Economics / Finance / General
Family & Relationships / General
History / United States / State & Local / West (AK, CA, CO, HI, ID, MT, NV, UT, WY)
ISBN
1977413528
9781977413529
URL
http://books.google.com.hk/books?id=QkHY0AEACAAJ&hl=&source=gbs_api
註釋
This report documents an analysis, conducted in response to the California Public Banking Option Act, of the feasibility of the CalAccount Program, which would seek to facilitate basic financial transactions for unbanked and underbanked Californians by providing them with a voluntary, zero-fee, zero-penalty, federally insured transaction account and related payment services. The authors find that the expected benefits of CalAccount--particularly savings among Californians in marginalized groups gained by avoiding fees associated with banking and the use of alternative financial services--marginally outweigh the expected costs of CalAccount. The authors also find that the CalAccount Program is generally feasible, with two important caveats: Banks may have little incentive to participate in and promote the program, and lack of interest among California's unbanked and underbanked populations may pose a significant challenge to achieving sufficient enrollment in the program. The authors document their findings on program feasibility and the trade-offs between program costs and benefits, and they provide recommendations on implementing the program.