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Bank Systems & Technology January 31, 2006 Maria Bruno-Britz	Banking for the Masses As a whole, the underbanked and unbanked account for more than 30 million Americans. That is not an insignificant number, and smart banks are redoubling their efforts in reaching out to this market.
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 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 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 March 27, 2008 Nancy Feig	Microfinance Making Headway In Serving Underbanked Microfinance provides sustainable access to credit and savings for the poor.
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 Technology News October 2004 Shane Kite	Electronic Payments: Turning a Cellphone Into a Mobile Wallet A hit overseas, digital-content downloads are becoming hot credit vehicles in the U.S. thanks to firms like Valista and Qpass. Banks should take this threat seriously.
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 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 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.
Bank Systems & Technology September 28, 2005 Maria Bruno-Britz	Open for Business Amidst the chaos following Hurricane Katrina, at least one entity had its act together - the financial services sector. Even before the floodwaters began receding, banks in the disaster zone were working to restore operations.
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 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 December 23, 2007 Nancy Feig	Mobile Banking Experiencing Increased Adoption Mobile banking is causing a flurry of activity in the U.S. financial services industry.
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.
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.
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.
OCC Bulletin September 19, 2005	Hurricane Katrina The Office of the Comptroller of the Currency has issued guidance to assist national banks and their customers affected by Hurricane Katrina.
U.S. Banker January 2010 Marian Raab	The Other Underbanked Bank of America, TD Bank and others are devising ways to move entrepreneurs hiding out in retail platforms into more profitable relationships.
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 May 26, 2009 Maria Bruno-Britz	Financial Crisis Will Speed Adoption of Mobile Banking TowerGroup research shows that 2009 will be the year m-banking goes mainstream as consumers seek more immediate access to their financial status.
Bank Systems & Technology October 21, 2008 Orla O'Sullivan	Underbanked, Overlooked But Profitable: BS&T Summit Not all of the underbanked are subprime customers.
Bank Systems & Technology February 1, 2007 Anthony O'Donnell	Educated Opinions: 2007 Bank Technology Forecast Industry experts give their forecasts for bank technology in 2007.
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.
OCC Bulletin February 3, 2006 Emory W. Rushton	Hurricane Katrina: Guidance to Examiners This issuance transmits guidance regarding supervisory practices to be followed in assessing the financial condition of financial institutions directly affected by Hurricane Katrina.
InternetNews September 1, 2005 Colin C. Haley	Texting '2HELP' 4 Hurricane Relief Verizon Wireless lets subscribers send a text message to donate to the Red Cross.
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.
Bank Technology News April 2007 James Greene	A Wealthier World Needs Rich Bank IT What will the world of financial services look like in 10 or 15 years? The general outlines are taking shape right now. Inevitably, technology will drive much of this change in the ways that banks do business.
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.
Bank Systems & Technology January 31, 2006 Ivan Schneider	Vicious Hurricane Cycle Although one can hope that the upcoming hurricane season will defy the predictions that have accompanied the start of the decades-long hurricane cycle, the banks in the Gulf Coast must do more than hope. They must plan, and plan for the worst.
IEEE Spectrum January 2008 Wilson & Kliger	Learning From Katrina Hurricane Katrina can teach engineers a lot about the unintended impact of technology as well as what can be done to prepare for the next catastrophe.
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 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.
Bank Technology News April 2007 Glen Fest	Internet Banking: Luring the Laggards Will Require Enhancements Banks need added functionality to interest the millions of households yet to enroll in Web banking. Vendors are adapting their wares accordingly.
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.
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.
U.S. Banker July 2008 Karen Krebsbach	Waiting for the Call Cellphone banking is emerging as an important link that could bring the most basic financial services to the globe's billions of unbanked cellphone users.
Insurance & Technology November 28, 2005 Maria Woehr	Tracking Super Cats The devastating effects of Hurricane Katrina will prompt more insurers to work with super catastrophe, or Super Cat, modeling.
IEEE Spectrum December 2005 Tekla S. Perry	Hurricane Watchers Hit Their Mark Hurricane Katrina, despite the tremendous problems with the evacuation of New Orleans, provided a vivid example of today's more skillful hurricane predicting.
ONLINE Nov/Dec 2005 Marydee Ojala	Natural Disasters and Their Online Implications Real-time information was available for Hurricane Katrina in ways it wasn't for past disasters because of the rise of information sources and blogging on the Internet. However, there are still ways for the technology to grow.
Searcher June 2006 Piper & Ramos	A Failure to Communicate: Politics, Scams, and Information Flow During Hurricane Katrina The Katrina disaster was exacerbated by poor communications. Some help was provided by the Internet, but it was also a breeding round for Katrina-related scams.
Insurance & Technology March 7, 2006 Deena M. Amato-McCoy	Storm Surge Refusing to be caught off guard again, insurance companies are reexamining their IT strategies and operations in anticipation of the fast-approaching 2006 hurricane season.
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.
Reason April 2002 Mike Lynch	Finance on the Fringe America's check cashers don't exploit the poor; they serve them...
The Motley Fool August 31, 2006 Ryan Fuhrmann	Ace Is Approaching Its Own Payday As one payday lender prepares to go private, are its competitors potential investments? If you can stomach the business model, these companies mostly have plenty of growth opportunities and generate decent levels of free cash flow.