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Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
Payments Innovation for the Financially Underserved
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Payments Innovation for the Financially Underserved

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Covering the technology and finance behind building technology innovation for the underbanked and unbanked

Covering the technology and finance behind building technology innovation for the underbanked and unbanked

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  • 1. Payments Innovation for the Financially Underserved Jonathan LeBlanc (@jcleblanc) Global Head of Developer Evangelism at PayPal
  • 2. Underbanked / Unbanked?
  • 3. The Underbanked The Unbanked
  • 4. State of the US
  • 5. The Unbanked 8.8% of America households (1 in 12, or 10.8 million) are unbanked The Underbanked 20.1% of households (1 in 5, or 24 million) are underbanked
  • 6. Household Account Types • 29.3% have no savings account • 10% have no checking account Use of Alternate Financial Services • 25% use at least one AFS • Almost 1/10 regularly use 2 or more • About 4/10 unbanked and underbanked used an AFS in the last 30 days
  • 7. Manipulating the Underbanked and Unbanked
  • 8. Turning to Mobile
  • 9. The Underbanked • 91% of underbanked have a mobile phone • 57% have a smartphone • 29% used mobile banking in last 12 months • 17% have used mobile payments
  • 10. The Unbanked • 64% of unbanked have a mobile phone • 18% have a smartphone • 10% used mobile banking in last 12 months • 12% have used mobile payments
  • 11. A Technology Use Case
  • 12. Funding: Prepaid Debit Cards http://ppd.io/pp-prepaid-card
  • 13. Commerce: Bluetooth Smart http://ppd.io/pp-prepaid-card
  • 14. Point of Sale Integration http://www.shopkeep.com/
  • 15. Bluetooth Smart Hacking
  • 16. The New Savings Market
  • 17. Family Run Accounts http://ppd.io/pp-family-savings
  • 18. Family Savings Hacking
  • 19. Learning from the Rest of the World
  • 20. What to Think About
  • 21. Funding A single savings / checking account or some pre-paid / cash equivalent card Payments Mobile first approach Targets Payday loans / high interest rate organizations
  • 22. Thanks! Questions? Slides: http://slideshare.net/jcleblanc Jonathan LeBlanc (@jcleblanc) Global Head of Developer Evangelism at PayPal

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