I am not at all an expert in this field, and this kind of topic seems closer to things you've thought about for years. But, I was under the impression that peo

I am not at all an expert in this field, and this kind of topic seems closer to things you've thought about for years. But, I was under the impression that people who use payday loans and have bank accounts are considered "underbanked," while those who truly have no bank accounts are considered the "unbanked." Maybe the distinction doesn't matter that much. In truth, I don't know enough to have a strong opinion.