- MoneyCenters li-1 800 tsa mabenkele a eona a 4,300 United States
- Lichelete tse nyane tsa khoebo ka li-shop tsa Sam
- Lisebelisoa tsa banka ho Canada le Mexico
- Banco ea Walmart makala a 263 mabenkeleng a 31 metseng ea Mexico
- Phello e kholo ea Moputso oa Walmart MasterCard Canada
Tsena ke mefuta e 'meli ea lihlooho tse telele tsa nako e telele.
Ntlha ea pele, li-supermarket li 'nile tsa e-ba le libanka tse ngata, haholo-holo libanka tsa polokelo ea chelete le libaka tse fokolang, sebaka sa rente ka har'a ntlo ea bona bakeng sa makala a manyenyane a phelisang bahoebi, hangata ka lihora tse telele ho ea ka lekala le tloaelehileng. Ho sa le joalo, Walmart e tla ba mong'a ntlo ea maholo bakeng sa liofisi tsa mekhatlo ea naha ea ho iketsetsa lekhetho H & R Block le Jackson Hewitt. Ea bobeli, linaheng tse ling tse fapa-fapaneng tsa maraka (haholo-holo United Kingdom), liketane tse khōlō tsa supermarket tse kang Tesco li na le histori ea ho theha lichelete tsa banka tsa bona ho sebetsa mahaeng a bona a mabenkele.
Ba bang ba hlokometse hore li-supermarket li tloaelehile haholo ho fana ka ts'ebeletso e ntle ea bareki ho feta libanka, tse hlakileng ka ho fana ka tšebeletso ho phaello (Special Report ka International Banking, The Economist , la 16 Mphalane 2009). Li boetse li bontša hore li-supermarket li na le monyetla oa tlhōlisano ka theko ea bona e theko e tlaase ea thekiso ea bareki, ka lebaka la palo e kholo ea bareki eo ba seng ba e sebeletsa letsatsi le leng le le leng.
Moneymenters ea Walmart e fana ka litšebeletso tsena tsa mantlha:
- Sheba chelete (ho fetisetsoa hohle mabenkeleng a US)
- Ho fetisoa chelete
- Litaelo tsa chelete
- Bill tefiso
- Likarete tsa debit e lefuoang pele
- Likarete tsa mokitlane
- Sheba khatiso (litaelo tsa inthanete feela)
Sheba Litefiso tsa Chelete
Walmart e batla ho thusa batho ba tlaase ba se nang likamano tsa banka.
Walmart MoneyCenters e lefella chelete e ngata ea $ 3.00 bakeng sa tefo ea chelete, 'muso le lekhetho (empa e seng tsa botho) lichelete tse lekanang le $ 1 000 kapa ka tlaase, le chelete e sephara $ 6.00 bakeng sa ho hlahloba ka holimo ho $ 1,000, ho feta $ 5,000. Hlahloba litšebeletso tsa chelete, phapang, hangata li lefelle likomishene tse tsoang ho 2% ho hlahloba 'muso ho fihlela ho 4% ho hlahloba litefello tsa chelete, ho ea ka Lekholleng la Lekhotla ka la 23 June 2010 ea Financial Times .
Maraka a Unbanked le a Underbanked
Monyetla oa maraka oa Walmart ke o moholo, kaha FDIC e lekanya hore malapa a ka bang limilione tse 17, kapa 7,7 lekholong, ha a na sekoloto (ke hore, ha a na lik'hamphani tsa banka kapa likamano tsa banka), le malapa a ka bang limilione tse 40, kapa 18% li na le mabotho a tlaase. Phuputso ea 2008 e entsoeng ke lipatlisiso tsa 'maraka e buellang khoebo ea Aite e fumane hore Walmart e se e le le 11% ea' maraka oa ho hlahloba chelete ka nako eo ("Banks le vs. Wal-Mart: Round Round" e Bloomberg Businessweek , la 15 August 2011). Ka sebele, Walmart e boetse e fana ka meputso ea lekhetho ea mahala bakeng sa ho sebeletsa karolo ena ea basebetsi ba eona.
Green Dot Stake
Walmart e boetse e na le thupa e nyenyane ea ho lekanngoa ea hoo e ka bang 1% ho Green Dot, motlakase oa ho lefella chelete o tšehetsang Walmart MoneyCards e lefshoang le e nchafalitsoeng, e leng sebaka se seng sa basebetsi ba tlaase ba se nang li-akhaonto.
Khabareng, Green Dot o fumane Bonneville Bank, bankeng e nyenyane ea khoebo e Utah. Le hoja sena se ka 'na sa fana ka mokhoa oa Walmart ho eketsa litšebeletso tse feletseng tsa banka United States, k'hamphani eo e ile ea emisa ho latela lengolo la banka ka 2007, ka mor'a ho tobana le khanyetso e matla ea bahanyetsi ba lipolotiki le libanka tse tšabang tlhōlisano. Lobbyists bakeng sa indasteri ea banka ba pheha khang ea hore Walmart MoneyCenters e lokela ho laoloa ke Bareki ba Litšireletso tsa Lichelete tsa Bareki tse entsoeng ke Bill Dodd-Frank (hape e Bloomberg Businessweek , la 15 August 2011).
Lichelete tse nyenyane tsa Khoebo
Litho tsa Club ea Sam's Walmart li boloka khoebo e nyane ebe li qala ho etsa likoloto tsa $ 5,000 ho ea ho $ 25,000 ka mokhoa oa ho etsa kopo ea marang-rang ka litefiso tse theoleloang. Superior Financial Group, mokhatlo o ikemetseng oa bahoebi ba Small Business Administration (SBA), o fanang ka likoloto tsena, eseng Walmart.
Walmart e qalile lenaneo ka 2010, ho latela phuputso ea 2009 eo 15% ea litho tsa khoebo tsa Club ea Sam li bontšitseng hore ba hanne mokitlane.
Walmart kapa Wal-Mart
Mokhatlo oa motsoali o sa ntse o ngolisitsoe ka molao ke Wal-Mart Stores, Inc. Leha ho le joalo, logo le mekhatlo ea hona joale ea khoebo ke lentsoe le le leng le se nang matšoao a matšoao, Walmart . Libuka tse ling, joaloka Wall Street Journal le Bloomberg Businessweek li sebelisa Wal-Mart. Ba bang, joaloka Financial Times ba latela tataiso ea websaeteng ea k'hamphani ea hau, e sebelisang Walmart, joalo ka ha ho etsoa melaetsa e mecha mabenkeleng a US. Ho phaella pherekano, literaka tse ngata tsa k'hamphani li sa ntse li e-na le lebitso la hypotheated Wal-Mart, 'me li fana ka marang-rang ea k'hamphani e le hyphenated wal-mart.com, le hoja aterese ea hau ea marang-rang e fetohile ho walmart.com, ntle le eona .