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Innovative Banking Products for Underserved Markets,[object Object]
Identify Community and Market Characteristics,[object Object],Know your community                                         Countries of origin, major employers, schools, neighborhoods, trusted organizations.,[object Object],Know your competition,[object Object],Offer alternatives that improve on existing products and address unmet needs                                                          Give people a reason to come to you                    and trust you.,[object Object]
Demographics Survey of 328 Mexican Immigrants, Mexican Consulate Chicago 2008,[object Object],Young community:,[object Object],		57% 18-34	,[object Object],		34%  35-54,[object Object],Low-to moderate annual household                           income:,[object Object],		35% $0-$15,000,[object Object],		34% $15,001-30,000,[object Object],		19% $30,001-$50,000,[object Object], 		 7% Over $50,000,[object Object],High Savings Rate even in lower income ranges:,[object Object],	Average annual remittances: $2,500,[object Object]
Trends:  Income Growth,[object Object]
Trends:  Services,[object Object],Financial service usage changes with time in US: ,[object Object]
Evolution in the Marketplace,[object Object]
Barriers,[object Object],For those choosing not to use accounts, major barriers:  ID and min. balance.,[object Object],Perception that accounts carry high fees. ,[object Object],Need for immediate access to funds.,[object Object],Convenience.,[object Object],Consistent Service, including language capacity. ,[object Object],Non-traditional credit profiles.,[object Object]
Opportunities,[object Object],Asset protection:  health insurance, auto insurance, life insurance.,[object Object],Access to credit:  home purchase and small business.,[object Object],Saving for Education,[object Object],Cross-border needs,[object Object],Local community needs:  domestic money transfers, loans for citizenship and immigration status.,[object Object]
Case Study:  Family Unification Loan,[object Object],Loan for immigration services                   program pilot in Austin, Texas.,[object Object],Initial launch led to no borrowers.,[object Object],Broadened outreach, engaged                         more partners, used the media.,[object Object],Result:  All initial capital investment, $30,000, loaned out in a four-month period.  ,[object Object],Now demand for additional capital and interest in expansion to other geographies.,[object Object]
Effective Market Strategies ,[object Object],Better value is important, but not enough. ,[object Object],Workforce and atmosphere should reflect the community.,[object Object],Meet people where they are—location              and services. ,[object Object],School-based outreach—reaching               parents through their children.,[object Object],Leverage employer relationships.,[object Object],Integrate education into financial                                settings, such as account opening or             taking out a loan.,[object Object]
Importance of Marketing,[object Object]
Appleseed Resources,[object Object],Market Information,[object Object],Consumer Focus Groups,[object Object],Best Practices,[object Object],Financial Education,[object Object],Visit:  www.appleseednetwork.org and,[object Object],www.texasappleseed.net,[object Object]
Conclusion,[object Object],“As we try to break some of these consumer behavior patterns…  We have to be cheaper and we have to engender a greater degree of trust in us.”,[object Object]
Contact Information,[object Object],Annette LoVoi,[object Object],Appleseed,[object Object], Tel:  512.542.9082,[object Object],Austin, TX  USA,[object Object],alovoi@appleseednetwork.org,[object Object]

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