2015 Unbanked and Underbanked Consumer Focus Groups – Recruitment Screener
Draft: 4/8/2015
Groups/Locations:
Memphis |
|
May 6 |
1 English User, 1 English Non-User |
May 7 |
1 English User, 1 English Non-User |
|
|
Los Angeles |
|
May 12 |
1 English User, 1 English Non-User |
May 13 |
1 Spanish User, 1 Spanish Non-User |
Goal for Each Group: (Out of 10 participants per group)
Gender: 5 Males, 5 Females
Age: 5 18-34, 3 35-54, 2 55+
Race: 4 White, 4 Black, 2 Hispanic (for Non-Hispanic groups)
State (Memphis): 5 TN, 5 AR/MS
4 Unbanked, 6 Underbanked
MAX of 2 Unemployed, 1 Student
MIN of 4 Prepaid card users (2+ times a month that do not come from the gov’t)
Instructions:
Recruit 15 respondents for 8-10 to show per group. Seat a maximum of 10.
QUOTAS: (Out of 15 recruits per group)
Gender (D1): MIN 7 MALES, MIN 7 FEMALES
Age (D2): MIN 7 18-34, MIN 4 35-54, MAX 3 55+
Race (D3): MIN 4 WHITE, MIN 6 BLACK, MIN 4 HISPANIC
State - MEMPHIS ONLY (D9): MIN 7 TN, MIN 7 AR/MS
Unbanked and Underbanked (SEE PAGE 6 FOR CLASSIFICATION): MIN 7 UNBANKED, MIN 7 UNDERBANKED
Employment (D5): MAX 4 UNEMPLOYED, 1 STUDENT PER GROUP
Prepaid card users 2+ times a month that do not come from the gov’t (S11=1 & S11A=2 OR 3 & S11B NOT EQUAL TO 3): MIN 7
Additional Criteria:
For Spanish groups in Los Angeles, all respondents must identify as Hispanic/Latino (D4=1)
MONITOR: a) income; b) types of products recruits are using (for underbanked consumers, want to focus more on the transaction AFS vs. credit AFS); and, c) prepaid card users’ status as unbanked or underbanked
SCREENER:
Hello, may I speak to ______ [USE NAME FROM DATABASE/LIST]? This is ________ calling for _________, a marketing research firm.
1 AVAILABLE [CONTINUE]
2 NOT AVAILABLE [FIND OUT BEST TIME TO CALL BACK]
We
are conducting research to understand people’s use of financial
services. May I ask you some questions? [IF NEEDED: It will only
take about 5 minutes.]
Initial question for LOS ANGELES ONLY. INTERVIEWER TO USE ENGLISH OR SPANISH DEPENDING ON RESPONDENT’S LEAD IN ANSWERING THE PHONE
L1. What language do you prefer to speak?
English (RECRUIT FOR ENGLISH GROUPS)
Spanish (RECRUIT FOR SPANISH GROUPS – USE SPANISH FOR REMAINDER OF INTERVIEW)
<FACILITY SPECIFIC INTRODUCTION>
[IF TERMINATED DURING THE SURVEY:]
Thank you for taking our survey. Those are all of the questions I have for you.
BANKING STATUS
S1. Do you or does anyone in your family work in: (READ LIST)
A market research firm [TERMINATE]
An advertising agency [TERMINATE]
A bank or other financial institution [TERMINATE]
None of the above
S3. Which of the following best describes your household’s finances? (READ LIST)
The adults have shared finances (ASK S4)
The adults have some shared finances and some separate finances (ASK S4)
The adults have separate finances even though we share living space (SKIP TO S5)
I am the only adult in the household (SKIP TO S5)
Not sure (DO NOT READ) (ASK S4)
S4. How much do you actively participate in managing finances for your household? (READ AND ROTATE 1-3 LIST)
A lot
Some
Not at all [TERMINATE]
Not sure (DO NOT READ) [TERMINATE]
Our study is about the different ways that people manage their finances, so these next questions are about financial activities you may or may not practice. We will not ask, and you should not tell us, anything that identifies you personally like a bank account number.
S5. Do you or anyone else in your household currently have a checking or savings account with a bank or credit union?
Yes (ASK S5A)
No (SKIP TO S7) [QUALIFY AS UNBANKED]
Not sure (DO NOT READ) [TERMINATE]
S5A. What type or types of accounts, if any, do you have?
Only a checking account
Only a savings account
Both a checking and savings account
4 You do not have a checking or savings account [TERMINATE]
5 Not sure (DO NOT READ) [TERMINATE]
S6. In the past 12 months, that is since April, 2014, was there any time when no one in your household had an account?
Yes (SKIP TO S8)
No (SKIP TO S8)
Not sure (DO NOT READ) (SKIP TO S8)
S7. Have you or anyone in your household ever had a checking or savings account with a bank or credit union? Would you say… (READ LIST)
Yes, within the last year
Yes, more than a year ago
No
Not sure (DO NOT READ)
S8. In the last three months, have you gone to a place other than a bank or credit union to cash a check that was received from someone else?
Yes (ASK S8A)
No (SKIP TO S9)
Not Sure (DO NOT READ) (SKIP TO S9)
S8A. In the last three months, how many times have you gone to a place other than a bank or credit union to cash a check that was received from someone else?
Once
2-3 times
4 times or more
Not Sure (DO NOT READ)
S9. In the last three months, have you gone to a place other than a bank or credit union to purchase a money order?
Yes (ASK S9A)
No (SKIP TO S10)
Not Sure (DO NOT READ) (SKIP TO S10)
S9A. In the last three months, how many times have you gone to a place other than a bank or credit union to purchase a money order?
Once
2-3 times
4 times or more
Not Sure (DO NOT READ)
S10. In the last three months have you gone to a place other than a bank or credit union to send money to family or friends living outside of the US?
Yes (ASK S10A)
No (SKIP TO S11)
Not Sure (DO NOT READ) (SKIP TO S11)
S10A. In the last three months, how many times have you gone to a place other than a bank or credit union to give or send money to family or friends living outside of the US?
Once
2-3 times
4 times or more
Not Sure (DO NOT READ)
S11. Now I have a question about prepaid cards. I am not asking about gift cards or debit cards linked to a checking account. Prepaid cards allow you or others, like relatives or a government agency, to load funds that can later be spent. Prepaid cards also allow you to withdraw cash from ATMs.
In the last three months, have you used prepaid cards such as those I have described?
Yes (ASK S11A)
No (SKIP TO S12)
Not Sure (DO NOT READ) (SKIP TO S12)
S11A. In the last three months, how many times have you used a prepaid card such as those I have described?
Once
2-3 times
4 times or more
Not Sure (DO NOT READ)
S11B. Where did the prepaid cards that you used in the last three months come from?
A bank location or bank’s website
A store or website that is not a bank
A government agency
Employer payroll card
Family or friends
Other
Not Sure (DO NOT READ)
S12. Some people find it useful to take out a payday loan to manage their money. In your case, have you taken out a payday loan or payday advance at a place other than a bank in the last 12 months?
Yes
No
Not Sure (DO NOT READ)
S13. Another way some people meet financial needs is a loan from a pawnbroker, also called a “pawn shop.” In the last 12 months, have you left an item at a pawn shop as collateral because a cash loan was needed, and not just to sell an unwanted item?
Yes
No
Not Sure (DO NOT READ)
S14. Some stores allow people to rent to own items such as furniture or appliances. I do not mean stores that offer installment plans or layaway plans. In the last 12 months, did you rent anything from a rent-to-own store because it couldn’t be financed any other way?
Yes
No
3 Not Sure (DO NOT READ)
S15. Auto title loans use a car title to borrow money for a short period of time. They are NOT loans used to purchase a car. In the last 12 months, did you take out an auto title loan?
Yes
No
Not Sure (DO NOT READ)
S16. In the last 12 months, have you taken out a tax refund anticipation loan, or used a tax preparation service to receive your tax refund faster than the IRS would provide it?
Yes
No
Not Sure (DO NOT READ)
STATUS
UNBANKED: S5=2 (No household checking or savings account) AND
S8A, S9A, OR S10A=2 OR 3 (used transactional AFS 2+ times, OR S11A = 2 or 3 (used prepaid card 2+ times) AND S11B=1,2,4, OR 5 (not from a government agency)
UNDERBANKED: S5A=1-3 (Have personal checking and/or savings account) AND
S8A, S9A, OR S10A = 2 or 3 (used transactional AFS 2+ times)
OTHERWISE [TERMINATE]
MOBILE FINANCIAL SERVICES USER/NON-USER
M1. In the past 12 months, have you used any of the following methods to manage your finances? (READ AND ROTATE LIST)
In-person in the financial services branch or office
ATM/Kiosk
Telephone through phone call or automated voice/touch tone
Online through desktop, laptop or tablet computer (e.g., iPad)
A mobile phone such as text messaging, mobile app, Internet browser or email (ASK M2/M3)
Other
Did not use any in the past 12 months
Not sure (DO NOT READ)
(SKIP TO M4 IF DO NOT QUALIFY FOR M2)
M2. In the past 12 months, have you done any of the following through a bank using a mobile phone? Please tell me all that apply (READ AND ROTATE LIST)
Downloaded or used bank’s mobile app
Checked bank account balance or recent transactions
Made a bill payment using your bank’s website or mobile app
Read a text message alert from the bank
Sent money to other people using your bank’s website or mobile app
Transferred money between accounts owned by the same person
Deposited a check electronically using the mobile phone’s camera
Located the closest in-network ATM or bank branch
Opened an account with a bank through your mobile device
Other
None of these
(ASK M3 IF M1=5)
M3. Some people get mobile finance services from non-bank providers, meaning they are not a bank or a credit union. In the past 12 months, have you or anyone in your household done any of the following through a non-bank financial services provider using a mobile phone? Please tell me all that apply (READ AND ROTATE LIST)
Downloaded or used a mobile app
Checked prepaid account balance or recent transactions
Made a bill payment
Received a text message alert from a non-bank financial provider
Sent money to other people from a non-bank financial provider
Deposited a check electronically using your phone’s camera
Waved or tapped your mobile phone at the cash register to pay for a purchase
Used an electronic payment service like PayPal or Venmo through your mobile phone
Applied for a payday or short term loan through your mobile device
Opened an account with a non-bank financial provider through your mobile device
Other
None of these
M4. Do you currently own or have regular access to a mobile phone?
Yes (ASK M5)
No
Not Sure (DO NOT READ)
M5. Is that mobile phone a smartphone that is a mobile phone with features that enable it to access the web, send emails and download applications?
Yes
No
Not Sure (DO NOT READ)
Respondent Criteria
User/Non-User Criteria – Section M questions
NON-USER: M1 NOT = 5 (DO NOT USE MFS)
M5=1 (MUST HAVE SMARTPHONE)
USER: M1=5 (USE MFS)
CANNOT ANSWER M2=10 OR 11 AND M3=11 OR 12 (MUST USE AT LEAST ONE SPECIFIC MOBILE SERVICE ACROSS TWO QUESTIONS)
M4=1 (MUST HAVE CELL PHONE ACCESS)
MAX 2: M5=2 OR 3 (NO MORE THAN 2 PER USER GROUP WITHOUT A SMARTPHONE)
DEMOGRAPHICS
D1. Are you…? (RECORD BY OBSERVATION/DATABASE)
1 Male
2 Female
D2. What is your age?
1 Under 18 [TERMINATE]
2 18-24
3 25-29
4 30-34
5 35-39
6 40-44
7 45-49
8 50-54
9 55-59
10 60-64
11 65 or older
D3. Which of the following best describes your background? (READ LIST)
1 White
2 Black or African American
3 American Indian or Alaska Native
4 Native Hawaiian or Other Pacific Islander
5 Asian
6 Other
D4. Do you consider yourself to be Hispanic or Latino?
Yes
No
D5. What is your employment status? (READ LIST)
[MAX 4 UNEMPLOYED (3 OR 4) PER GROUP]
1 Employed full-time (ASK D5A)
2 Employed part-time (ASK D5A)
3 Not employed, seeking work
4 Not employed, not seeking work
5 Retired
6 Student [MAX 1 PER GROUP]
D5A. [ASK IF D5=1 OR 2] Where do you work? ___________________________
D6. What is the highest level of education you have completed or the highest degree you have received? (READ LIST)
1 No high school completed
2 Completed some high school but no degree
3 High school graduate or equivalent (e.g., GED)
4 Completed some college, but no degree
5 Completed an Associate's degree
6 College graduate
7 Completed some graduate school, but no degree
8 Completed graduate school (e.g., M.S., M.D., Ph.D.)
D7. What is your current annual household income (before taxes)? (READ LIST)
1 Less than $15,000
2 At least $15,000 but less than $30,000
3 At least $30,000 but less than $50,000
4 At least $50,000 but less than $75,000
5 $75,000 or more
D8. Which of the following best describes your primary residence?
1 You own your residence
2 You rent your residence
3 You live with friends or family without paying rent
4 You live in a dormitory or barracks
D9. FOR MEMPHIS ONLY: What state do you live in?
Tennessee
Arkansas
Mississippi
D10. When was the last time you participated in an in-person research study such as a focus group, a product test or a one-on-one interview? (READ LIST IF NECESSARY)
1 Within the last month [TERMINATE]
2 Within the last three months [TERMINATE]
3 Within the last six months [TERMINATE]
4 More than six months ago
5 Never
Thank you for participating in this survey. We would like to invite you to participate in an important discussion to understand what consumers think of new technologies for managing their financial services. The group will be held on <INSERT TIME/DATE> and last approximately two hours. You will receive <INSERT INCENTIVE AMOUNT> to help you offset the cost of coming in to our office to participate.
<<ADDITIONAL INFORMATION FROM FACILITY ON LOCATION, PARKING, ETC.>>
Name: ________________________________________________________
Address: _________________________________________________________________
City: ___________________________
State: __________________________
Zip: ____________________________
Email Address:________________________________________________
Phone Number: _________________________________
| File Type | application/vnd.openxmlformats-officedocument.wordprocessingml.document |
| Author | Erin Norman |
| File Modified | 0000-00-00 |
| File Created | 2021-01-28 |