预付卡与美国无银行账户人群:金融创新与金融包容性

IF 1.3 Q3 ECONOMICS
Kumuditha Hikkaduwa Epa Liyanage, Valentina Hartarska, Denis Nadolnyak
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引用次数: 0

摘要

目的金融包容性是以使用正规金融体系,特别是银行的人数来衡量的。获得正规银行服务的机会有限以及无银行账户家庭的存在是政策关注的主要问题。作者评估了无银行账户家庭使用预付(可充值)借记卡对金融包容性的影响,特别是这些家庭参与正规金融体系和开设银行账户的潜力。设计/方法/途径作者运用匹配模型分析了联邦存款保险公司 2009 年至 2019 年全国无银行账户和银行账户不足家庭调查的调查数据,并评估了预付卡的使用如何影响开设银行账户的计划。研究结果与匹配的非预付卡用户相比,使用预付卡的无银行账户家庭开设银行账户的可能性要低 5%。此外,与匹配的无银行账户的非预付借记卡用户相比,预付卡用户使用非银行转账/网上交易的可能性高出 12%,从其他金融服务提供商获得贷款的可能性高出 18%。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Prepaid cards and the unbanked in the U.S.: financial innovations and financial inclusion

Purpose

Financial inclusion is measured by the number of people who use the formal financial system and banks in particular. Limited access to formal banking services and the existence of unbanked households is a main policy concern. The authors evaluate how the use of prepaid (reloadable) debit cards by unbanked households affects financial inclusion and specifically the potential for these households to participate in the formal financial system and open a bank account.

Design/methodology/approach

The authors apply matching models to analyze survey data from the Federal Deposit Insurance Corporation National Survey of the Unbanked and Underbanked Households from 2009 to 2019 and evaluate how prepaid cards use affects plans to open a bank account.

Findings

Unbanked households who use prepaid cards are 5% less likely to open a bank account compared to the matched nonusers of prepaid cards. In addition, prepaid card users are 12% more likely to use nonbanks to transfer money/transact online and 18% more likely to have obtained loans from alternative financial services providers compared to the matched unbanked nonusers of prepaid debit cards.

Originality/value

No previous work has estimated the causal impact of use of prepaid cards on financial inclusion.

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来源期刊
CiteScore
2.80
自引率
8.30%
发文量
13
期刊介绍: The Journal of Financial Economic Policy publishes high quality peer reviewed research on financial economic policy issues. The journal is devoted to the advancement of the understanding of the entire spectrum of financial policy and control issues and their interactions to economic phenomena. Economic and financial phenomena involve complex trade-offs and linkages between various types of risk factors and variables of interest to policy makers and market participants alike. Market participants such as economic policy makers, regulators, banking and competition supervisors, corporations and financial institutions, require timely and robust answers to the contemporary and emerging policy questions. In turn, such answers require thorough input by the academics, policy makers and practitioners alike. The Journal of Financial Economic Policy provides the forum to satisfy this need. The journal publishes and invites concise papers to enable a prompt response to current and emerging policy affairs.
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