Bank Account Access Methods, Household Financial Well-Being, and Alternative Financial Services

IF 0.9 Q3 SOCIAL WORK

Journal of Poverty Pub Date : 2021-12-04 DOI:10.1080/10875549.2021.2010863

J. Birkenmaier, Q. Fu

引用次数: 0

Abstract

ABSTRACT This study examines US household methods used to access their bank account, and implications for the use of Alternative Financial Services (AFS) and financial well-being. Latent class analysis and multinomial logistic regression were conducted. Results indicated that 7.7% of households are very likely to access their account through a bank teller (Bank Teller Access Method), 25% are very likely to use all types of technology (All Technology Access Method), 33.5% use all types of access methods but not their smartphone (Traditional Technology Access Method), and 33.8% use all methods (All Modes Access Method). Access method is associated with AFS use.

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银行账户访问方法，家庭财务福利和替代金融服务

本研究考察了美国家庭用于访问其银行账户的方法，以及对使用替代金融服务(AFS)和财务状况的影响。进行潜在类分析和多项逻辑回归。结果表明，7.7%的家庭非常可能通过银行柜员(银行柜员访问方法)访问他们的账户，25%的家庭非常可能使用所有类型的技术(所有技术访问方法)，33.5%的家庭使用所有类型的访问方法，但不使用智能手机(传统技术访问方法)，33.8%的家庭使用所有方法(所有模式访问方法)。访问方法与AFS使用相关联。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Journal of Poverty SOCIAL WORK-

CiteScore

2.60

自引率

10.00%

发文量

期刊介绍： The Journal of Poverty is the first refereed journal to recognize the inequalities in our social, political, and economic structures, presenting progressing strategies that expand society"s increasingly narrow notions of poverty and inequality. The journal"s broad understanding of poverty—more inclusive than the traditional view—keeps the focus on people"s need for education, employment, safe and affordable housing, nutrition, and adequate medical care, and on interventions that range from direct practice to community organization to social policy analysis. The journal"s articles will increase your knowledge and awareness of oppressive forces such as racism, sexism, classism, and homophobia that contribute to the maintenance of poverty and inequality.