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The Federal Reserve estimated there are 55 million unbanked or underbanked adult Americans in 2018, which account for 22 percent of U.S. households. [2] [3] One report found the nationwide rates to be 7.7% unbanked and 17.9% underbanked, with the most unbanked state Mississippi, at 16.4%.
Access to finance is the ability of individuals or enterprises to obtain financial services, including credit, deposit, payment, insurance, and other risk management services. [1]
The underbanked is a characteristic describing people or organizations who do not (or volunteer to not) have sufficient access to mainstream financial services and products typically offered by retail banks and thus often deprived of banking services such as credit cards or loans.
Among the unbanked, a significant number are women and poor people in rural areas. Often, those excluded from financial institutions face discrimination or belong to vulnerable or marginalized populations. Due to the lack of financial infrastructure and financial services many under-served and low-income communities suffer.
Many people in impoverished areas are underbanked or unbanked. [46] In the United States, almost one-third of the population lacked the full range of basic financial services in 2012. [47] In 2011, an FDIC survey found that approximately one-quarter of households whose annual income was less than $15,000 had no bank account. [48]
For short-form videos, Facebook originally had a budget of roughly $10,000–$40,000 per episode, [1] though renewal contracts have placed the budget in the range of $50,000–$70,000. [2] Long-form TV-length series have budgets between $250,000 to over $1 million. [ 2 ]
The following list ranks countries by the share of population with access to financial services.Access to financial services is defined as the share of the adult population (population ages 15+) with an account ownership at a financial institution or with a mobile-money-service provider.
The first season of the American television sitcom Two and a Half Men was first aired on CBS from September 22, 2003, to May 24, 2004. The pilot received positive reviews and an Artios Award nomination for Best Casting for TV, Comedy Pilot (Nikki Valko, Ken Miller). [1]
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