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� � � � � � �Subscribe to RTO MagazineE-mail Address : Manage Subscriptions� � � � � � � � � � � � � � � � � �� Site Statistics�PollReport: Consumers' Views on Prepaid Cards04-16-09RTO Online - The rent to own industry's trade website Email this page to a friendRate:� Your email address Worthless HelpfulI have tears of joyBetter than War and Peace Add your Comments FactoidsBack to newsRelated articlesmost recent first Report: Consumers' Views on Prepaid Cards Mother's Day Consumer Spending Dips New Window Signage Product Introduced by TruckSkin Trivia; This Month in 1923 First US Shopping Mall Opens Listening to Customers; NRF Video Series Office Max Takes Best of the Best in Retail Advertising UK RTO Buy As You View Invests in Environment Rent-A-Center Aims to Double-Down on Brand Building Success Ric West Inducted Into Retail Advertising Hall of Fame Rent-A-Center Named in Top 50 Most Valuable U.S.

Brands Consumer Tighten Belts But Shopping Patterns Remain Unchanged Speakers Announced for Retail Advertising Conference Serta Counting Sheep Vie for Advertising Icon of the Year One in Ten U.S.

Counties Majority Minority California, New York Worst Business Climate in Nation Hollywood's Influence on Consumer Buying Habits Internet Strategy Critical to Driving Rentals and Sales Marketing TVs as a Music Platform Digital Transition Impacts TV Ad Production Showing Eco-Concern Becoming Marketing Necessity California, Florida, Michigan Hardest Hit by Plunging Home Prices Over 80% of Consumers Use Net to Research Furniture, Appliance Purchases Average Internet User Visits 100 Sites Per Month Increasing Online Sales in a Struggling Economy Online Shopping by Minorities Up Sharply Older Internet Users Feel Web Content Not Relevant Microsoft Surface Ready For Retail Prime Time; New Application Simplifies Complex Purchasing Decisions Credit Reporting Agencies Expanding Reach Into Unbanked Arena Trust and Payment Options Key To Selling Online Choosing The Right Media For Your Ad Campaign Low Income Americans Attitudes Toward Online Shopping Differ From Upper Income Internet's Influence on Consumer Purchases Doubles; Traditional Media Down 15% Is Your TV Ad Campaign Super Bowl Worthy? Tax Rebate Checks to Pump $43 Billion into EconomyConsumers Shopping Online Up Forty Percent in Two Years Over Half of U.S.

Consumers Want To Watch Super Bowl In High Definition Locally Targeted Online Advertising Can Benefit Independent Rent to Own Companies Measuring Customer Satisfaction Depends on Asking the Right Questions Radio Rentals Expands Operation; Expects 50% Profit Increase Association to Develop PCI Compliance Best Practices Retailers to Discuss Green Initiatives at Annual Convention Political Correctness Gone Amok or Just Good Business; "Holidays" Beats "Christmas" in Actual Consumer Usage Two to One Seven Imagery Staff Members Graduate Dale Carnegie Humor Key To Effective TV Ads Is Your Website Impulse Friendly?; Survey Finds Women More Likely Than Men to Make Impulse Purchases Online Based on Limited-Time Offers Top Marketing Trends for 2008; Back To Basics $13 Billion Spent Online In November Poll Reveals Shopping Preferences Across Generations; Gen X To Spend More Than Any Other Group Wikinomics Author To Address National Retail Federation 2008 Annual Convention Consumer Spending Caution Will Continue Into 2008; One in Four Say They Will Delay Furniture, Appliance Purchase Consumers Increasing Respond Online To Direct Mail California, Texas Residents Have Highest Discretionary Income; Midwest Lowest Consumers Report Decreasing Trust In Businesses They Frequent; Furniture Stores Among Least Trusted Soaps Or NASCAR - Women More Likely To Watch Sports; Marketers Should Focus On Sports To Reach Key Demo 42% of Online Consumers Switch TO Competitor After Experiencing Online Transaction Issues; Another 52% Experienced Bad Customer Service at a Contact Center Half Of Consumers Filling Out Online Financial Services Applications Abandon The Process Midstream Environmentally Friendly Retail Marketing; Hype or Consumer Preference Pressure Building On Retailers To Ad Local Online Advertising Online Advertising To Surpass Radio Spend By End of 2007 Next Generation of Consumers Spending Massive Amount of Time Online 14 States Prepare For August Sales Tax Holidays; Concept expanding History Of Labor Day; Sept.

3 2007 Report; Over 2,000 Americans Start Their Own Business Every Day Sony Goes NASCAR; Dale Earnhardt Junior To Be New Pitchman; Says Earnhardt "It's Cool" Online Advertising Revenues Grow 35% in �06 U.S.

Advertising Spending Rose 4.6% in 2006, Nielsen Monitor-Plus Reports Mother's Day Factoids From RTO Online U.S.

Advertising Expenditures Increased 4.1 Percent in 2006; Online Advertising Shows Biggest Gain 48 Percent of Brand Marketers Plan to Use Social Tactics in the Near Term National Federation of Independent Business Issue Ad Wins Pollie Award Rooms To Go Reenergizes Push Into Hispanic Market; Announces Partnership with Celebrity Journalist Myrka Dellanos Video - Preview of 2007 Super Bowl Commercials Surprise - Men and Woman Are Different, Even On Super Bowl Sunday; Men Watch Game, Women Watch Ads Knowledgeable Sales People Key To Satisfying Wireless Customers Study Says Customer Wait Time Survey Ranks Baltimore as Slowest City in America; DC, Detroit, New York Follow U.S.

Business Increase Advertising Spending 4% Year to Date; TV Up, Newspaper Ads Continue Slide Alternative Credit Bureau Receives Patent for Rent to Own Bill Payment Reporting And Scoring RTO Online Conducts Test Of Online Customer Service In the Rent to Own Industry; Rent Way Demonstrates Best E-Customer Care US Small Business Spends $43 Billion Online Consumers Give US Retail Call Centers Barely Passing Grade Getting Relevant Key To Effective Direct Mail and Email Campaigns What Most Influences Women's Buying Decisions? Survey Finds Before Shopping, 91% of Women Seek Opinions From Friends, Family ADVO Accused Of Fraud; Valassis Files Action to Rescind its $1.3 Billion Merger Agreement 48.3% of Affluent Users Check E-mail 'Continuously'; New Survey Reveals E-mail Dominates Online Experience Retailers Consider New Strategies To Overcome 2005 Holiday Season Hurdles Demand Rising but Outlook Cautious for Household Durables Industry, Says Standard & Poor's Finding the Path to Sales Effectiveness Rent-A-Center Completes Advertising 'Unbundling'; Awards Creative To 'Launch Agency' Design Firm GRID2 Says Poor Merchandising Limits SalesWhy It's Difficult for Marketers to Reach Women 25 to 54; Sixty-two Percent Have Little Time for Commercial Messages Arkansas Rent to Own Customer Wins Furniture And Appliances Now� "Live Free For a Year" Grand Prize New Survey: Even People with Modest Incomes Can Live 'Richly,' But Companies Cannot Survive by Offering them Average Cost and Value FAN Rent to Own Grows To 17 Stores; Generating Customer Excitement With Unique Q4 PromoMarketing Department Priorities Often Differ From CEO's Agenda Every Rental Starts With A First ImpressionColorTyme Franchisee Pat Hunt Succeeds In Customer Service; Opens Fifth Store Interview with David Ingram, CEO RTO Enterprises�In-depth interviews were conducted with 22 prepaid card users in the Chicago and Seattle metro areas.

�Download - A Tool for Getting by or Getting Ahead? Consumers� Views on Prepaid Cards.The Center for Financial Services Innovation (CFSI) today released a new report entitled: A Tool for Getting by or Getting Ahead? Consumers� Views on Prepaid Cards.Over the past decade, financial services companies have offered an increasing number of options to households who do not hold or regularly use conventional checking and savings accounts.

Some options come from mainstream banks and companies, while others come from "fringe" financial services such as check-cashing or payday loan services.

These "fringe" services have been criticized as profiting on unfortunate consumers without providing opportunities for them to build wealth through savings or access to credit.

Now, new "market bridging" products, such as general-purpose reloadable prepaid cards, are emerging to fill the need between conventional checking and savings accounts and nonaccount services.

Introduced in the early 1990s, reloadable prepaid cards are among the most popular of these products.

They function like electronic bank accounts without checks; consumers load funds on the card and can spend only what they load, limiting the risk of overdraft while providing immediate liquidity.

Transaction costs are low, and many providers are adding features, including bill payment with credit reporting, money transfer, savings wallets, and small-dollar lines of credit.

advertise hereTo learn how consumers use prepaid cards and whether the cards help financially underserved consumers manage their money and start down a path toward financial prosperity, CFSI selected two provider firms for study�AccountNow and NetSpend.

Both are leaders and innovators in the prepaid card industry.

AccountNow distributes cards primarily over the Internet, while NetSpend sells cards primarily through grocery and convenience stores and check-cashing outlets.

In-depth interviews were conducted with 22 prepaid card users in the Chicago and Seattle metro areas.

CFSI's findings give evidence about the potential of prepaid cards to enhance families' financial well-being.

The report presents new data about prepaid card users' day-to-day financial lives, including the nature and amount of income sources, family expenses, and use of different financial services.

Interviews show the roles that prepaid cards play in consumers' lives, including roles that may be symbolic (having access to this product or using this service) or instrumental (accomplishing something for the consumer).The research notes financial circumstances that lead consumers to prepaid cards and examines several benefits consumers cite as reasons for liking their cards such as: convenience, accessibility, immediate liquidity, simplicity and transparency, value, and built-in discipline.

The research also considers consumers' short- and long-term financial goals and their experiences with two enhanced prepaid card features�AccountNow's bill pay with credit reporting and NetSpend's associated savings account.

Prepaid cards are a helpful financial tool, and users appreciate their features.

Prepaid cards may also help consumers achieve short-term financial goals, such as paying off debt and accumulating emergency savings.

However, achieving longer-term financial goals will likely require more intensive and comprehensive services and products that extend beyond what prepaid cards currently offers.RTO Online is the official channel for Rent-to-Own Industry News and the only independent source of news for the rent-to-own, rental-purchase, lease-purchase trade.

RTO Online (Rent to Own Online) represents the choice of the entire RTO Industry for trusted information, as it happens.

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