ABSTRACT

In semi-structured in-depth interviews in one mid-western city with a high percentage of financially excluded consumers, 22 staff members from 15 banks describe their employer bank’s efforts to serve low- and moderate-income consumers. Six themes were found: (1) Banks are aware of the problem of financial exclusion; (2) Financial education poses challenges to deliver, and lacks outcomes; (3) Few rewards are evident for offering basic checking accounts; (4) Little advocacy pressure exists for affordable accounts; (5) Regulatory and other pressures fail to facilitate solutions; and (6) Solutions are a mix of policy, organizational capacity, and methods to influence consumer behavior.

摘要

在一个中西部城市，半数结构化的深度访谈中，有大量被排斥的消费者，来自15家银行的22名工作人员描述了他们的雇主银行为中低收入消费者提供服务的努力。发现了六个主题：（1）银行意识到金融排斥的问题；（2）金融教育带来了挑战，缺乏成果；（3）提供基本的支票账户几乎没有任何奖励；（4）对负担得起的账户几乎没有宣传压力；（5）监管压力和其他压力未能促进解决方案；（6）解决方案是影响消费者行为的政策，组织能力和方法的结合。