CFSICFSI
CFSI publishes a wide variety of papers, success stories and policy briefs throughout the year. These publications cover original research, overviews and assessments of outside projects, case studies of products and programs supported by CFSI, and other action-oriented, authoritative information that will drive productive change in the marketplace.

Our most recent publications are:

Research Papers

Can Email Alerts Change Behavior? An Experiment by Ready Credit Corporation

In the wake of the recent financial crisis, American households have shown greater interest in improving their financial management skills to help them endure the weakened economic environment. A study conducted by Mintel Comperemedia in October 2009 found that 75% of American ...

Posted: June 2010

How Should We Serve the Short-Term Credit Needs of Low-Income Consumers?

Presented at the Harvard Joint Center on Housing Symposium

Almost one-third of the 30 million U.S. households who are unbanked or underbanked borrow to pay for small-dollar, short-term needs. Though loans are typically obtained through payday lenders, rent-to-own centers, refund anticipation lenders, or ...

Posted: March 2010

Innovators Showcase

Green Dot Eyes Features to Fuel Prepaid Sales Growth

Roundtable participant Green Dot Corp. is focusing on new features for their prepaid products, especially in the mobile space, to increase sales. "We have a plan for new products and different ways to accept checks and process payments and things we think ...

Posted: August 2010

Visa Starts National Campaign Promoting Prepaid to Underbanked

CFSI Roundtable participant Visa announced the first phase of a national marketing campaign to raise consumer awareness about the benefits of using reloadable prepaid debit cards instead of cash for purchases. In particular, the campaign is designed to reach financially underserved consumers ...

Posted: July 2010

Public Policy Statements

Support of Title XII of the Restoring American Financial Stability Act of 2010

CFSI delivered a letter to Chairman Barney Frank and Chairman Christopher Dodd to show appreciation for their support of the Title XII of the Restoring American Financial Stability Act of 2010. CFSI states this legislation represents a strong step towards expanding access ...

Posted: June 2010

CFSI Interchange Comment Letter

The Center for Financial Services Innovation (CFSI) issued a statement today on the specific language in the Financial Regulatory Reform bill that would regulate interchange fees, recommending prepaid cards – including government benefits cards, general purpose prepaid cards, payroll cards – be ...

3 pp.   
Posted: June 17, 2010

CFSI Underbanked Consumer Study

FDIC National Survey on Underbanked a Crucial Piece to Understanding the Demographics of the Underbanked in the U.S.

CFSI says even more can be done to serve the underbanked by understanding their attitudes and behaviors

CHICAGO – December 3, 2009 –The FDIC’s National Survey of Unbanked and Underbanked Households is an essential piece to understanding who the underbanked are. The survey’s design ...

Posted: December 2009

Characteristics of Latino Un- and Underbanked Consumers

In this CFSI inBrief, "Characteristics of Latino Un- and Underbanked Consumers" provides analysis regarding the financial attitudes and behaviors of the 20.6 million underbanked Latino consumers in the U.S., representing 47% of the entire 44 million Latinos in the U.S.

Posted: July 2009

Innovation in Action

Innovation in Action Videos

CFSI: Innovation in Action

Funded through a generous donation from the Citi Foundation, the video offers detailed success stories from customers using prepaid cards, new small-dollar loan products, and in-bank check cashing and second chance accounts, told in their own words.  ...

Posted: July 2010

Prepaid Innovation and Policy

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