{"id":476,"date":"2022-10-04T17:15:47","date_gmt":"2022-10-04T20:15:47","guid":{"rendered":"https:\/\/noticias-gerais.online\/?p=476"},"modified":"2023-02-21T23:33:14","modified_gmt":"2023-02-22T02:33:14","slug":"bancos-podem-estar-fazendo-muito-mais-para-servir-os-negros-americanos","status":"publish","type":"post","link":"https:\/\/noticias-gerais.online\/sk\/bancos-podem-estar-fazendo-muito-mais-para-servir-os-negros-americanos\/","title":{"rendered":"Banky mo\u017eno robia ove\u013ea viac pre slu\u017eby Afroameri\u010danom."},"content":{"rendered":"<p><span>Afroameri\u010dania maj\u00fa historicky n\u00e1ro\u010dn\u00fd vz\u0165ah s finan\u010dn\u00fdm sektorom. Od men\u0161ieho pr\u00edstupu k finan\u010dn\u00fdm in\u0161tit\u00faci\u00e1m v ich komunit\u00e1ch, cez ni\u017e\u0161iu mieru schva\u013eovania \u017eiadost\u00ed o \u00faver, a\u017e po men\u0161iu \u00fa\u010das\u0165 a spokojnos\u0165 s r\u00f4znymi finan\u010dn\u00fdmi produktmi a slu\u017ebami, \u010delia \u010derno\u0161sk\u00ed spotrebitelia mno\u017estvu nerovnost\u00ed, ktor\u00e9 ovplyv\u0148uj\u00fa ich schopnos\u0165 budova\u0165 a udr\u017eiava\u0165 si svoje bohatstvo.\u00a0<\/span><\/p>\n<p><span>Tieto rozdiely maj\u00fa zna\u010dn\u00e9 \u013eudsk\u00e9, ako aj ekonomick\u00e9 n\u00e1klady. Afroameri\u010dania dnes vlastnia pribli\u017ene 1,51 TP3 bili\u00f3na n\u00e1rodn\u00e9ho bohatstva a priemern\u00e1 \u010derno\u0161sk\u00e1 rodina vlastn\u00ed iba jednu osminu bohatstva priemernej bielej rodiny. To ovplyv\u0148uje v\u0161etko od schopnosti investova\u0165 do vzdelania svojich det\u00ed a\u017e po k\u00fapu domu alebo zalo\u017eenie podniku.\u00a0<\/span><\/p>\n<p><span>Napriek nedostato\u010dn\u00e9mu pokrytiu, \u0161t\u00fadia spolo\u010dnosti McKinsey z roku 2021 zistila, \u017ee viac ako polovica \u010derno\u0161sk\u00fdch spotrebite\u013eov, viac ako spotrebitelia inej ako \u010diernej pleti, sa sna\u017e\u00ed zv\u00fd\u0161i\u0165 v\u00fddavky a presk\u00fama\u0165 nov\u00e9 produkty finan\u010dn\u00fdch slu\u017eieb. Z\u00e1rove\u0148 je st\u00e1le ove\u013ea menej pravdepodobn\u00e9, \u017ee \u010derno\u0161sk\u00ed spotrebitelia bud\u00fa spokojn\u00ed so svojimi mo\u017enos\u0165ami finan\u010dn\u00fdch slu\u017eieb. To predstavuje kumulat\u00edvnu pr\u00edle\u017eitos\u0165 na v\u00fddavky vo v\u00fd\u0161ke 225 mili\u00e1rd USD do roku 2030 pre poskytovate\u013eov, ktor\u00ed pon\u00fakaj\u00fa \u010derno\u0161sk\u00fdm spotrebite\u013eom dostupnej\u0161ie a spravodlivej\u0161ie produkty a slu\u017eby.\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<p><span>Existuje mno\u017estvo strat\u00e9gi\u00ed, ktor\u00e9 m\u00f4\u017eu retailov\u00e9 banky a spr\u00e1vcovia majetku implementova\u0165, aby pomohli \u010derno\u0161sk\u00fdm spotrebite\u013eom vybudova\u0165 si ekonomick\u00fa bezpe\u010dnos\u0165 \u2013 a z\u00e1rove\u0148 pridali hodnotu svojim organiz\u00e1ci\u00e1m.\u00a0<\/span><\/p>\n<p><span>V\u00fdvoj inovat\u00edvnych produktov, ktor\u00e9 klad\u00fa d\u00f4raz na priebe\u017en\u00e9 finan\u010dn\u00e9 vzdel\u00e1vanie a komplexn\u00fd poh\u013ead na finan\u010dn\u00e9 profily z\u00e1kazn\u00edkov, m\u00f4\u017ee pom\u00f4c\u0165 \u010derno\u0161sk\u00fdm spotrebite\u013eom robi\u0165 inteligentnej\u0161ie rozhodnutia. Jedna fintech spolo\u010dnos\u0165 zalo\u017een\u00e1 Blackom uv\u00e1dza, \u017ee \u00faverov\u00fdm registrom plat\u00ed n\u00e1jomn\u00e9 na budovanie \u00faverovej hist\u00f3rie; to m\u00f4\u017ee pom\u00f4c\u0165 spotrebite\u013eom s n\u00edzkymi pr\u00edjmami, ktor\u00ed s\u00fa preuk\u00e1zate\u013ene finan\u010dne zodpovedn\u00ed, ale m\u00f4\u017eu ma\u0165 probl\u00e9m vybudova\u0165 si typick\u00fa \u00faverov\u00fa hist\u00f3riu. \u010eal\u0161\u00edm pr\u00edstupom poskytovate\u013eov bolo vytvorenie alternat\u00edvnych \u0161trukt\u00far poplatkov, ktor\u00e9 by nahradili poplatky, ako s\u00fa poplatky za pre\u010derpanie \u00fa\u010dtu, ktor\u00e9 ne\u00famerne ovplyv\u0148uj\u00fa \u010derno\u0161sk\u00fdch spotrebite\u013eov.\u00a0<\/span><\/p>\n<p><span>Afroameri\u010dania predstavuj\u00fa 13,61 TP3T popul\u00e1cie USA \u2013 a 231 TP3T z\u00e1kazn\u00edkov, ktor\u00ed si po\u017ei\u010diavaj\u00fa v kamenn\u00fdch obchodoch. Niektor\u00e9 z t\u00fdchto in\u0161tit\u00faci\u00ed pon\u00fakaj\u00fa nekvalitn\u00e9 slu\u017eby za vysok\u00fa cenu \u2013 a\u017e 4 001 TP3T ro\u010dne \u2013 a zvy\u010dajne sa nach\u00e1dzaj\u00fa v n\u00edzkopr\u00edjmov\u00fdch a men\u0161inov\u00fdch \u0161tvrtiach. Aby uspokojili dopyt po kr\u00e1tkodobej hotovosti, spolo\u010dnosti poskytuj\u00face finan\u010dn\u00e9 slu\u017eby m\u00f4\u017eu pon\u00faka\u0165 r\u00f4zne rie\u0161enia, ako napr\u00edklad programy \u201ek\u00fap teraz\/pla\u0165 nesk\u00f4r\u201c a programy \u00faverov zameran\u00e9 na men\u0161iny. M\u00f4\u017eu sa tie\u017e sna\u017ei\u0165 prepoji\u0165 spotrebite\u013eov s platformami peer-to-peer p\u00f4\u017ei\u010diek.\u00a0<\/span><\/p>\n<p><span>Vo v\u0161etk\u00fdch sektoroch finan\u010dn\u00e9ho priemyslu hl\u00e1sia \u010derno\u0161sk\u00ed Ameri\u010dania v\u00e4\u010d\u0161iu nespokojnos\u0165 a nepr\u00edjemnosti. Zjednodu\u0161enie procesov m\u00f4\u017ee celkovo roz\u0161\u00edri\u0165 pr\u00edstup a by\u0165 obzvl\u00e1\u0161\u0165 u\u017eito\u010dn\u00e9 pre \u010derno\u0161sk\u00fdch spotrebite\u013eov. Okrem toho vysok\u00e9 minim\u00e1lne v\u00fddavky na \u00fa\u010dty a poplatky za vedenie \u00fa\u010dtu m\u00f4\u017eu odradi\u0165 \u010derno\u0161sk\u00fdch Ameri\u010danov od \u017eiadosti. Zjednodu\u0161enie \u017eiadost\u00ed o \u00faver s cie\u013eom odstr\u00e1ni\u0165 v\u0161etky dokumenty, ktor\u00e9 nie s\u00fa nevyhnutne potrebn\u00e9 na pos\u00fadenie \u00faverovej bonity, m\u00f4\u017ee zlep\u0161i\u0165 pr\u00edstup pre \u017eiadate\u013eov s n\u00edzkymi pr\u00edjmami.\u00a0<\/span><\/p>\n<p><span>Inkluz\u00edvny marketing a programy slu\u017eieb z\u00e1kazn\u00edkom sa stali be\u017enej\u0161\u00edmi, ale mo\u017eno ich posilni\u0165 a roz\u0161\u00edri\u0165 spolupr\u00e1cou s m\u00e9diami a marketingov\u00fdmi spolo\u010dnos\u0165ami vlastnen\u00fdmi \u010dernochmi. Rovnak\u00fd predpoklad plat\u00ed aj pre tradi\u010dn\u00e9 m\u00e9di\u00e1. \u010cierni spotrebitelia maj\u00fa o 10 percentu\u00e1lnych bodov vy\u0161\u0161iu pravdepodobnos\u0165 ako ostatn\u00ed spotrebitelia, \u017ee objavia nov\u00e9 finan\u010dn\u00e9 produkty prostredn\u00edctvom soci\u00e1lnych m\u00e9di\u00ed, a o sedem percentu\u00e1lnych bodov vy\u0161\u0161iu pravdepodobnos\u0165, \u017ee si vypo\u010duj\u00fa odpor\u00fa\u010dania od kolegov. Spolo\u010dnosti by nakoniec mali vyu\u017e\u00edva\u0165 sp\u00e4tn\u00fa v\u00e4zbu od z\u00e1kazn\u00edkov na informovanie zamestnancov o diverzite a spolupracova\u0165 s d\u00f4veryhodn\u00fdmi komunitn\u00fdmi organiz\u00e1ciami s cie\u013eom zlep\u0161i\u0165 anga\u017eovanos\u0165 zamestnancov a z\u00e1kazn\u00edkov.\u00a0<\/span><\/p>\n<p><span>Banky a spr\u00e1vcovia majetku sa tie\u017e musia zamera\u0165 na svojich potenci\u00e1lnych z\u00e1kazn\u00edkov. Pr\u00edtomnos\u0165 niektor\u00fdch drav\u00fdch obchodov pon\u00fakaj\u00facich p\u00f4\u017ei\u010dky na mzdy a \u0161ekov\u00e9 kni\u017eky v \u0161tvrtiach s prevahou \u010dernochov dokazuje, \u017ee existuje neuspokojen\u00fd dopyt po finan\u010dn\u00fdch slu\u017eb\u00e1ch. Ak si spotrebitelia m\u00f4\u017eu tieto slu\u017eby dovoli\u0165, ur\u010dite bud\u00fa m\u00f4c\u0165 banky vyu\u017e\u00edva\u0165. Medzi rokmi 2010 a 2019 sa v\u0161ak po\u010det b\u00e1nk v t\u00fdchto \u0161tvrtiach zn\u00ed\u017eil takmer o 151 TP3T. Vidite\u013en\u00e1 pr\u00edtomnos\u0165 kamenn\u00fdch obchodov silne koreluje s vy\u0161\u0161\u00edm po\u010dtom hypotek\u00e1rnych \u00faverov a \u00faverov pre mal\u00e9 podniky. Pobo\u010dky b\u00e1nk s\u00fa skr\u00e1tka majetkom komunity \u2013 a \u010derno\u0161sk\u00e9 komunity ich nemaj\u00fa dostatok. Takmer tretina \u010derno\u0161sk\u00fdch spotrebite\u013eov bola v roku 2019 nedostato\u010dne financovan\u00e1 \u2013 a tieto \u010derno\u0161sk\u00e9 rodiny by mohli po\u010das svojho \u017eivota pr\u00eds\u0165 o 1 TP4T 40 000 dol\u00e1rov na vy\u0161\u0161\u00edch \u00farokov\u00fdch sadzb\u00e1ch.<\/span><\/p>\n<p><span>Poskytovanie dobr\u00fdch digit\u00e1lnych mo\u017enost\u00ed m\u00f4\u017ee pom\u00f4c\u0165 preklen\u00fa\u0165 bankov\u00fa medzeru, najm\u00e4 preto, \u017ee \u010derno\u0161sk\u00ed spotrebitelia s v\u00e4\u010d\u0161ou pravdepodobnos\u0165ou vlastnia smartf\u00f3n a pou\u017e\u00edvaj\u00fa ho \u010dastej\u0161ie ako bieli spotrebitelia. Finan\u010dn\u00e9 in\u0161tit\u00facie m\u00f4\u017eu spolupracova\u0165 s digit\u00e1lnymi platformami, ktor\u00e9 maj\u00fa v \u010derno\u0161sk\u00fdch komunit\u00e1ch d\u00f4veryhodnos\u0165, a pon\u00faka\u0165 slu\u017eby na zlep\u0161enie finan\u010dnej gramotnosti.\u00a0<\/span><\/p>\n<p><span>Mnoh\u00e9 finan\u010dn\u00e9 in\u0161tit\u00facie investuj\u00fa viac do rie\u0161enia t\u00fdchto probl\u00e9mov, ale celkovo sektor st\u00e1le zaost\u00e1va. Ke\u010f spolo\u010dnos\u0165 McKinsey analyzovala viac ako 50 finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed, zistila, \u017ee iba \u0161es\u0165 z nich uspokojovalo potreby \u010derno\u0161sk\u00fdch spotrebite\u013eov vo ve\u013ekom rozsahu na z\u00e1klade k\u013e\u00fa\u010dov\u00fdch metr\u00edk spokojnosti. Zameran\u00edm sa na tieto strat\u00e9gie maj\u00fa spolo\u010dnosti poskytuj\u00face finan\u010dn\u00e9 slu\u017eby pr\u00edle\u017eitos\u0165 lep\u0161ie sl\u00fa\u017ei\u0165 tomuto segmentu spotrebite\u013eov, zvy\u0161ova\u0165 vlastn\u00fd kapit\u00e1l a zlep\u0161ova\u0165 svoje hospod\u00e1renie.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Os negros americanos t\u00eam historicamente uma rela\u00e7\u00e3o desafiadora com o setor de servi\u00e7os financeiros.\u00a0De menos acesso a institui\u00e7\u00f5es financeiras em suas comunidades, a taxas de aprova\u00e7\u00e3o mais baixas para pedidos de cr\u00e9dito, a menos participa\u00e7\u00e3o e satisfa\u00e7\u00e3o em uma variedade de produtos e servi\u00e7os financeiros, os consumidores negros enfrentam uma variedade de desigualdades que afetam [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-476","post","type-post","status-publish","format-standard","category-economia"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/476","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/comments?post=476"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/476\/revisions"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/media?parent=476"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/categories?post=476"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/tags?post=476"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}