Why Households Don’t Have Checking Accounts

Using the Surveys of Consumer Finances from 1992 to 1998, this article explores the reasons for not having a checking account, including product design, human capital, motivation for having a checking account, and institutional factors. Focusing primarily on reasons related to product design, we fou...

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Veröffentlicht in:	Economic development quarterly 2003-02, Vol.17 (1), p.75-94
Hauptverfasser:	Hogarth, Jeanne M., Anguelov, Chris E., Lee, Jinkook
Format:	Artikel
Sprache:	eng
Schlagworte:	Access to credit Affluence Bank accounts Banking Checking accounts Current account Economic development Economics Education Finance Financial institutions Financial policy Financial services Household economics Households Human capital Low income Low income groups Motivation Product design Public policy Savings plans Welfare
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