1:30 PM - 2:15 PM

Product Migration for the Hispanic Market: Benchmarking the Underbanked Strategies of Community Banks

In this panel session, you will learn from several community banks that have implemented innovative retail models to serve the underbanked Hispanic market segment. Drawing on best practices from El Banco de Nuestra Comunidad, these banks will share how their strategies -- including check cashing, deposit accounts for unbanked consumers, and ITIN-based lending products--have impacted Hispanic customers' product migration patterns.

Moderator:
George Hodges
Managing Partner
New Market Partners

Panelists:
Manuel Rey
President
Banco de la Gente

2:20 PM - 3:05 PM

Direct Deposit: An Underbanked Gateway

Direct deposit boosts customer retention and cross-selling rates, but converting underbanked consumers into direct deposit users can be challenging. Hear how industry innovators are developing unique strategies to entice more consumers to use direct deposit.

Randy Templeton
Executive Vice President of Marketing
PreCash

3:10 PM - 3:40 PM

Networking and Refreshment Break in Exhibit Hall

3:45 PM - 4:30 PM

Reaching the Underbanked at Tax-Time

For many low-income consumers, tax-time means large refunds--sometimes amounting to 10% or more of annual household income. These large refunds at tax-time make for a perfect moment to propose other financial services. Learn how the financial services industry is seizing the opportunity by offering prepaid cards, alternative RAL products, savings bonds and more to win new customers and provide them with an on-ramp to asset-building opportunities.

Moderator:
John Thompson
Principal
TG Partners

Panelists:
Dan Nemec
Vice President, Treasury Services Business Development
JP Morgan Chase

4:35 PM - 5:20 PM

Motivate your Salesforce: Human Resources Strategies for the Underbanked Market

You've developed the product, now how do you deliver it to the underbanked? Through your employees! Hire, train, manage, reward and empower your employees to carry out your mission and profitability goals. Find out how retailers and non-bank financial services providers are helping their employees understand underbanked consumers and maximizing their human resources to successfully serve the underbanked market.

Moderator:
John Metz
Sr. Director of Financial Services
Wal-Mart

Panelists:
Amy Roberts
Director of Product Development - Card Programs
H&R Block

Matt Montes
Founder and COO
Account Now, Inc.