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Payments Innovation for the
Financially Underserved
Jonathan LeBlanc (@jcleblanc)
Global Head of Developer
Evangelism at P...
Underbanked / Unbanked?
The Underbanked
The Unbanked
State of the US
The Unbanked
8.8% of America households (1 in 12, or 10.8
million) are unbanked
The Underbanked
20.1% of households (1 in ...
Household Account Types
• 29.3% have no savings account
• 10% have no checking account
Use of Alternate Financial
Services...
Manipulating the
Underbanked and
Unbanked
Turning to Mobile
The Underbanked
• 91% of underbanked have a mobile phone
• 57% have a smartphone
• 29% used mobile banking in last 12 mont...
The Unbanked
• 64% of unbanked have a mobile phone
• 18% have a smartphone
• 10% used mobile banking in last 12 months
• 1...
A Technology Use Case
Funding: Prepaid Debit Cards
http://ppd.io/pp-prepaid-card
Commerce: Bluetooth Smart
http://ppd.io/pp-prepaid-card
Point of Sale Integration
http://www.shopkeep.com/
Bluetooth Smart Hacking
The New Savings Market
Family Run Accounts
http://ppd.io/pp-family-savings
Family Savings Hacking
Learning from the
Rest of the World
What to Think About
Funding
A single savings / checking account or
some pre-paid / cash equivalent card
Payments
Mobile first approach
Targets...
Thanks! Questions?
Slides: http://slideshare.net/jcleblanc
Jonathan LeBlanc (@jcleblanc)
Global Head of Developer
Evangeli...
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

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Transcript of "Payments Innovation for the Financially Underserved"

  1. 1. Payments Innovation for the Financially Underserved Jonathan LeBlanc (@jcleblanc) Global Head of Developer Evangelism at PayPal
  2. 2. Underbanked / Unbanked?
  3. 3. The Underbanked The Unbanked
  4. 4. State of the US
  5. 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. 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. 7. Manipulating the Underbanked and Unbanked
  8. 8. Turning to Mobile
  9. 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. 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. 11. A Technology Use Case
  12. 12. Funding: Prepaid Debit Cards http://ppd.io/pp-prepaid-card
  13. 13. Commerce: Bluetooth Smart http://ppd.io/pp-prepaid-card
  14. 14. Point of Sale Integration http://www.shopkeep.com/
  15. 15. Bluetooth Smart Hacking
  16. 16. The New Savings Market
  17. 17. Family Run Accounts http://ppd.io/pp-family-savings
  18. 18. Family Savings Hacking
  19. 19. Learning from the Rest of the World
  20. 20. What to Think About
  21. 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. 22. Thanks! Questions? Slides: http://slideshare.net/jcleblanc Jonathan LeBlanc (@jcleblanc) Global Head of Developer Evangelism at PayPal
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