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BANKING ON OPPORTUNITY: A SCAN OF THE EVOLVING FIELD OF BANK ON INITIATIVES

This report covers in considerable detail the legal as well as institutional struc- tures of the Serbian bond market, and compares these to the evolution of the recent- ly developed bond markets in the Czech Republic, Hungary, Poland, and Slovakia. The core of the study is a technical section on the estimation of the bond yield curve in Serbia using the Nelson-Siegel Model, followed by an illustration of how parame- ter estimates can be utilized to forecast the term structure. This analysis was con- strained by limited data availability on the over-the-counter market. About 80% of overall trading volume takes place over-the-counter but prices are only reported. | BANKING ON OPPORTUNITY A SCAN OF THE EVOLVING FIELD OF BANK ON INITIATIVES bank on USR US DEPARTMENT OF THE TREASURY Office of Financial Education and Financial Access Prepared by the National League of Cities Institute for Youth Education and Families under contract with CFED and the U.S. Department of the Treasury. Assistance was additionally provided by CFED the New America Foundation and the San Francisco Office of Financial Empowerment. Contract Number GS-10F-0177L Order Number TDOX11-F-0036 2011 A Scan of the Evolving Field of Bank On Initiatives BANKING ON OPPORTUNITY Table of Contents Executive Summary.4 Introduction.6 About this Report.7 Access to Banking A Strategy for Building Financial Security.8 Why Does Access to Banking Matter .8 Why are People Unbanked .8 Who are the Unbanked .9 The Growing Field of Financial Access.11 Financial Access Approaches.11 Financial Access Models.12 Campaigns that Promote Savings and Financial Access.14 The Bank On Model.16 The Bank On Landscape Today.17 Program Leadership and Staffing.17 Partnerships.17 Budgets and Funding.19 Bank On Financial Product Features.20 Financial Education.21 Marketing and Outreach Strategies.22 Use ofTechnology.24 Bank On Program Impact Tracking Outcomes.25 Program Outcomes.26 Indirect Benefits of Bank On Programs.27 Keys to a Successful Program.27 Early Involvement of Local Elected Officials and Financial Institutions.27 Early and Thorough Planning.28 Robust Partnerships and Organized Planning Structures.28 Setting Measurable Goals.28 Community Needs Assessments and Preliminary Research.28 Flexibility versus Uniform Standards.29 Challenges for Bank On Initiatives.29 Tracking Data and Assessing Impact.29 Other Financial Institution Considerations.30 Funding Limitations.32 Maintaining Momentum.33 Financial Education Delivery.33 Changing Regulatory Environment and its Impact on Banks.33 Leadership Transitions.34 Gaps within the Financial Access Field.35 Financial Access on the Horizon.35 .