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Other households have access to a bank account, but nevertheless rely on non-bank financial services providers.
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Today, microfinance has grown to reach over 200 million clients around the world who previously were ignored by mainstream financial services providers.
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In addition, households that use non-bank financial services providers do not receive the full range of consumer protections available through the banking system.
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The team is working with potential customers to improve the current product and signing distribution contracts with various partners such as financial services providers who would offer AfterSteps to their clients.
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The club, who have just claimed their 20th league title, reported a 52.2% increase in sponsorship revenue having announced new deals with two financial services providers in Denmark and Vietnam as well as an agreement with a Japanese social gaming company.
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Some banks have also not clearly segregated the duties of employees providing banking services and those marketing the products of other financial-services providers, it said.
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At the same time, officials across government have been exploring how to nudge consumers who don't have bank accounts toward lower-cost financial-services providers.
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Tough times for the financial services industry translate into tough times for the news and data providers that supply traders and dealmakers with the information they need to do their jobs.
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Should local authorities or government bodies be obliged to assess in a more rigorous way the financial strength of care home operators and other providers off essential services, before placing valuable contracts with them?
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Among smaller firms, cost are often higher and involve products from providers like Prudential Financial, Principal Financial, Nationwide Financial Services.
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