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Financial Industry Perspectives
contains articles by the
Supervision and Risk Management
Division reporting on a variety of banking issues and topics.
Financial Industry Perspectives will now be distributed exclusively online. Instead of publishing an annual collected issue, new articles will be published on a periodic and continuous basis. You can subscribe to receive E-Alerts when new issues become available. |
2005 2004 2003 2001 2000 1998 1996 1995 1994 1993 1992
| The Financial Industry Perspectives articles below can only be viewed using a PDF reader. To view an article using a PDF reader, click on the article title. If you do not have a PDF reader, you can download a reader from this site. |
2006
Location, Location, Location: Has Electronic Banking
Affected the Importance of Bank Location?
By Eric
Robbins
This article explores trends in consumer adoption of electronic banking products and services between 1995 and 2004. The article also discusses whether increasing use of electronic banking has impacted consumer sentiment regarding the importance of bank location.
Strategies for Banking
the Unbanked: How Banks are Overcoming Entrance Barriers
By Eric Robbins and Patrick Contreras
As consumer demographics continue to change,
an increasing percentage of the U.S. population is represented by those of
Hispanic origin. For financial institutions, this change is
significant because many Hispanic consumers lack formal banking
relationships. The are unbanked.
This article discusses future population projections and how these changes
are playing out in the Tenth District states. The authors also
describe survey results from the Federal Reserve Bank of Kansas City's
survey of Hispanic consumers in Garden City, Kansas. These survey
results help explain why many Hispanic consumers are unbanked. In
addition, the article describes strategies used by Garden City bankers to
overcome barriers that contribute to Hispanic consumers remaining unbanked.