{"podcast":{"title":"The Banker Next Door","slug":"the-banker-next-door-6597036","podcast_index_feed_id":6597036,"rss_url":"https://feed.podbean.com/joeberq/feed.xml","website_url":"https://joeberq.podbean.com","image_url":"https://pbcdn1.podbean.com/imglogo/image-logo/14138475/LOGO-2C-Vertical-1800x1800_4cmi58.jpg","author":"Dr. Joseph Bergquist","episode_count":400,"summary":"BND is focused on the U.S. Banking industry and how the industry intersects with finance, technology, and economics. Topics discussed can include all types of banking products and lines of business along with strategy, marketing, management, and leadership.","last_synced_at":"2026-07-29T06:17:38.092525+00:00","page_url":"https://stenobird.com/podcast/the-banker-next-door-6597036"},"episode":{"title":"What did the Fed discover from their focus group on Unbanked and Underbanked demographic?","slug":"what-did-the-fed-discover-from-their-focus-group-on-unbanked-and-underbanked-demographic","published_at":"2026-07-02T16:00:00+00:00","page_url":"https://stenobird.com/podcast/the-banker-next-door-6597036/what-did-the-fed-discover-from-their-focus-group-on-unbanked-and-underbanked-demographic","show_page_url":"https://stenobird.com/podcast/the-banker-next-door-6597036","url":"https://joeberq.podbean.com/e/what-did-the-fed-discover-from-their-focus-group-on-unbanked-and-underbanked-demographic/","audio_url":"https://mcdn.podbean.com/mf/web/pjeqg5xdksjs2f4j/What_did_the_Federal_Reserve_discover_from_their_focus_group_project_on_Unbanked_and_Underbanked_dem77nxq.mp3","summary":"The Cleveland Federal Reserve Bank recently conducted a focus group with subjects representing the Unbanked and Underbanked demographic. What they found was that this group really likes cash, alternatives such as prepaid cards, fintech tools, and money orders were very popular, hacking fears and bank fees are a top concern, complained about the time it took to open a bank account, and had some negative experiences with banks. On the plus side, subjects stated that they liked checking accounts and debit cards and felt that having a bank account helped them to build credit. They also liked the convenience of bank branches. This episode reviewed a blog post from PCBB titled “The unbanked: Fears, fees, and missed connections.” A link to the blog post is included below. Link: The Unbanked: Fears, Fees, and Missed Connections","meta_description":"The Cleveland Federal Reserve Bank recently conducted a focus group with subjects representing the Unbanked and Underbanked demographic. What they found w…","key_points":[],"chapters":[],"topics":[],"duration_seconds":859,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-banker-next-door-6597036/episodes/what-did-the-fed-discover-from-their-focus-group-on-unbanked-and-underbanked-demographic/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/the-banker-next-door-6597036/what-did-the-fed-discover-from-their-focus-group-on-unbanked-and-underbanked-demographic.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}