把支票兑现网点刻板印象为高利贷式的机构，这通常是不对的——我建议读读 Lisa Servon 写的《The Unbanking of America》，去真正了解一下这个行业。对于穷人来说，支票兑现点通常是兑现支票（以及获得其他基本金融服务……）最便宜、最直接的方式。
The stereotype of check cashing places as loan-shark-esque is generally wrong - I recommend reading The Unbanking of America by Lisa Servon to get a real understanding of the industry. For a poor person, a check-cashing place is generally the cheapest and most straightforward way to cash checks (and receive other basic financial…
……其他兑现支票的方式。这方面是有过研究的——如果他们去正规银行，花销反而更高（而且是通过一系列很不透明的收费形式扣掉的）。我建议读读 Lisa Servon 的《The Unbanking of America》，去真正了解一下这个行业。
…other way of getting their checks cashed. This has been studied - they would pay more (and in much less transparent fashion via a series of fees) if they went to actual banks. I recommend reading The Unbanking of America by Lisa Servon to get a real understanding of the industry.
关于这个话题，也推荐 Lisa Servon 写的《The Unbanking of America: How the New Middle Class Survives》。https://www.npr.org/2017/01/10/509126878/what-is-driving-the... https://mitpressbookstore.mit.edu/book/9781328745705
Also recommend "The Unbanking of America: How the New Middle Class Survives" by Lisa Servon on the topic. https://www.npr.org/2017/01/10/509126878/what-is-driving-the... https://mitpressbookstore.mit.edu/book/9781328745705
《The Unbanking of America》——作者深入探究并详述了美国低收入群体与银行打交道的第一手经历。我认为对于任何对瞄准……的 Fintech/neobank 感兴趣的人来说，这都是必读之作。
the Unbanking of America - the author does a deep dive and recounts first hand experiences of lower income Americans dealing with banks. I would say this is required reading for anyone interested in Fintech/neobanks that target…
我还要补充一点，它们能够存在真的很好，因为他们很大一部分客户实际上是被传统银行拉黑/拒之门外的。想了解“无银行账户人群”（unbanked），《The Unbanking of America》是一本非常好的读物/参考资料。
I'll also add that it's great they're able to exist, as a large portion of their customers are actually banned from traditional banks. A great resource/read for learning about the "unbanked" is "The Unbanking of America".
……传统观念认为，往往容易做出糟糕的财务决策。宾夕法尼亚大学城市与区域规划教授 Lisa Servon 在她的新书《The Unbanking of America: How the New Middle Class Survives》中提供了一个不同的视角。Servon 在支票兑现和发薪日贷款机构做柜员调研期间，消费者告诉她，非银行替代方案的收费结构反而更透明……
…the conventional wisdom goes, tend to make bad financial decisions. Lisa Servon, a University of Pennsylvania professor of city and regional planning, offers a different angle in her recent book, The Unbanking of America: How the New Middle Class Survives. During Servon’s research working as a teller at a check casher and payday lender, consumers told her that the fee structures of nonbank alternatives were more transparent…
把支票兑现网点刻板印象为高利贷式的机构，这通常是不对的——我建议读读 Lisa Servon 写的《The Unbanking of America》，去真正了解一下这个行业。对于穷人来说，支票兑现点通常是兑现支票（以及获得其他基本金融服务……）最便宜、最直接的方式。
The stereotype of check cashing places as loan-shark-esque is generally wrong - I recommend reading The Unbanking of America by Lisa Servon to get a real understanding of the industry. For a poor person, a check-cashing place is generally the cheapest and most straightforward way to cash checks (and receive other basic financial…
……其他兑现支票的方式。这方面是有过研究的——如果他们去正规银行，花销反而更高（而且是通过一系列很不透明的收费形式扣掉的）。我建议读读 Lisa Servon 的《The Unbanking of America》，去真正了解一下这个行业。
…other way of getting their checks cashed. This has been studied - they would pay more (and in much less transparent fashion via a series of fees) if they went to actual banks. I recommend reading The Unbanking of America by Lisa Servon to get a real understanding of the industry.
关于这个话题，也推荐 Lisa Servon 写的《The Unbanking of America: How the New Middle Class Survives》。https://www.npr.org/2017/01/10/509126878/what-is-driving-the... https://mitpressbookstore.mit.edu/book/9781328745705
Also recommend "The Unbanking of America: How the New Middle Class Survives" by Lisa Servon on the topic. https://www.npr.org/2017/01/10/509126878/what-is-driving-the... https://mitpressbookstore.mit.edu/book/9781328745705
《The Unbanking of America》——作者深入探究并详述了美国低收入群体与银行打交道的第一手经历。我认为对于任何对瞄准……的 Fintech/neobank 感兴趣的人来说，这都是必读之作。
the Unbanking of America - the author does a deep dive and recounts first hand experiences of lower income Americans dealing with banks. I would say this is required reading for anyone interested in Fintech/neobanks that target…
我还要补充一点，它们能够存在真的很好，因为他们很大一部分客户实际上是被传统银行拉黑/拒之门外的。想了解“无银行账户人群”（unbanked），《The Unbanking of America》是一本非常好的读物/参考资料。
I'll also add that it's great they're able to exist, as a large portion of their customers are actually banned from traditional banks. A great resource/read for learning about the "unbanked" is "The Unbanking of America".
……传统观念认为，往往容易做出糟糕的财务决策。宾夕法尼亚大学城市与区域规划教授 Lisa Servon 在她的新书《The Unbanking of America: How the New Middle Class Survives》中提供了一个不同的视角。Servon 在支票兑现和发薪日贷款机构做柜员调研期间，消费者告诉她，非银行替代方案的收费结构反而更透明……
…the conventional wisdom goes, tend to make bad financial decisions. Lisa Servon, a University of Pennsylvania professor of city and regional planning, offers a different angle in her recent book, The Unbanking of America: How the New Middle Class Survives. During Servon’s research working as a teller at a check casher and payday lender, consumers told her that the fee structures of nonbank alternatives were more transparent…