Wooing the Underbanked – With a Special Focus on Prepaid Cards

1. Wooing the Underbanked – With a Special Focus on Prepaid Cards Markets & Markets – Analyst Briefing Research Analyst : Srabanti Mukherjee Moderator: Sushmita Roy Choudhury

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3. Agenda for the briefing • Introducing the subject • Overview of the market • Challenges and how to overcome them • Analysis of product set - Market perspective • Competitive scenario

4. Market Segmentation Identifying sweet spot for banks

5. A Glimpse of the Underbanked Market • Underbanked population in the U.S. total 43 million as of 2009. • Approximately 18% of the addressable population are underbanked • Make little use of the services provided by mainstream financial institutions primarily due to fear of hidden costs and inconvenience • Have traditional checking/ savings account • Households more likely to be underbanked include those with: • • African-American, American/ Alaskan Indian, or non-black Hispanic; • • An unmarried male or female as head of the family; • • Earning below $50,000 per year; • • Having less than a college degree; • • Headed by someone under 55 years of age

6. A Glimpse of the Underbanked Market Popular AFS used among underbanked are: ranked by frequency of use (reasons why these AFS are used)

7. A Glimpse of the Underbanked Market • Underbanked prefer alternate financial service to banking services for their credit and transaction (financial) purposes for the following reasons:

8. Strategy Formulation Bank’s cross sell and up sell strategy to tap the underbanked

9. Strategy Formulation Fulfilling bank objectives while serving the underbanked

10. Strategy Formulation Overcoming challenges in serving the underbanked

11. Strategy Formulation - Reaching the Underbanked

12. Strategy Formulation – Relative impact of financial products

13. Strategy Formulation - Identifying product sets for underbanked segments

14. Strategy Formulation – Special analysis of prepaid cards Volume of loaded amount ($billions) AAGR 17.2% AAGR 13.3%

15. Competitive Landscape

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