{"title":"Bank Account Access Methods, Household Financial Well-Being, and Alternative Financial Services","authors":"J. Birkenmaier, Q. Fu","doi":"10.1080/10875549.2021.2010863","DOIUrl":null,"url":null,"abstract":"ABSTRACT This study examines US household methods used to access their bank account, and implications for the use of Alternative Financial Services (AFS) and financial well-being. Latent class analysis and multinomial logistic regression were conducted. Results indicated that 7.7% of households are very likely to access their account through a bank teller (Bank Teller Access Method), 25% are very likely to use all types of technology (All Technology Access Method), 33.5% use all types of access methods but not their smartphone (Traditional Technology Access Method), and 33.8% use all methods (All Modes Access Method). Access method is associated with AFS use.","PeriodicalId":46177,"journal":{"name":"Journal of Poverty","volume":"27 1","pages":"33 - 59"},"PeriodicalIF":0.9000,"publicationDate":"2021-12-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of Poverty","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1080/10875549.2021.2010863","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"SOCIAL WORK","Score":null,"Total":0}
引用次数: 0
Abstract
ABSTRACT This study examines US household methods used to access their bank account, and implications for the use of Alternative Financial Services (AFS) and financial well-being. Latent class analysis and multinomial logistic regression were conducted. Results indicated that 7.7% of households are very likely to access their account through a bank teller (Bank Teller Access Method), 25% are very likely to use all types of technology (All Technology Access Method), 33.5% use all types of access methods but not their smartphone (Traditional Technology Access Method), and 33.8% use all methods (All Modes Access Method). Access method is associated with AFS use.
期刊介绍：
The Journal of Poverty is the first refereed journal to recognize the inequalities in our social, political, and economic structures, presenting progressing strategies that expand society"s increasingly narrow notions of poverty and inequality. The journal"s broad understanding of poverty—more inclusive than the traditional view—keeps the focus on people"s need for education, employment, safe and affordable housing, nutrition, and adequate medical care, and on interventions that range from direct practice to community organization to social policy analysis. The journal"s articles will increase your knowledge and awareness of oppressive forces such as racism, sexism, classism, and homophobia that contribute to the maintenance of poverty and inequality.
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