- I-MoneyCenters ku-1,800 ezitolo zayo ezingu-4,300 e-United States
- Ukuboleka kwamabhizinisi amancane ngokusebenzisa izitolo ze-Sam's Club
- Amalayisense asebhange kokubili eCanada naseMexico
- Amagatsha e-Banco Walmart ezitolo ezingu-263 emadolobheni angu-31 aseMexico
- I-push enkulu ye-MasterCard e-Walmart Imivuzo eCanada
Lezi zihlukahluka ezindabeni ezimbili ezide.
Okokuqala, izitolo ezinkulu zinomlando omude wokuba namabhange asekhona, ikakhulukazi amabhange amancane okulondolozwa kwendawo kanye nezindawo zokuqasha, indawo yokuqashisa ngaphakathi kwendawo yabo ngamagatsha amancane ahlinzeka abathengi, ngokuvamile ngehora elide ngokumelene nalabo abasegatsheni elivamile. Phakathi naleso sikhathi, i-Walmart iba yindlalifa enkulu yamahhovisi emafemu okulungiselela intela kazwelonke uH & R Block noJackson Hewitt. Okwesibili, kwezinye izimakethe ezihlukahlukene zomhlaba (ikakhulukazi i-United Kingdom), izinsimbi ezinkulu ezinkulu ezifana neT Tesco zinomlando wokubeka izinkampani zebhange zodwa ukuze zisebenze ezindaweni zabo zokudayisa.
Abanye abathintekayo baye baqaphela ukuthi izitolo ezinkulu zivame ukugxila kakhulu ekunikezeni inkonzo enhle kakhulu yamakhasimende kunamabhange, okusobala kakhulu ekuqondiseni inkonzo ngenzuzo (Umbiko Okhethekile kwi-International Banking, i-Economist , Meyi 16, 2009). Baphinde babonise ukuthi izitolo ezinkulu zinezinzuzo zokuncintisana ezindleko zabo eziphansi zokuthengwa kwamakhasimende, ngenxa yenani elikhulu labathengi abavele bakhonza nsuku zonke.
I-Walmart MoneyCenters inikeza lezi zinsizakalo eziyisisekelo:
- Hlola ukheshi (ukukhishwa kuzo zonke izitolo zase-US)
- Ukudluliswa kwemali
- Imiyalo yemali
- Ukukhokhwa kweBill
- Amakhadi we-debit akhokhelwayo
- Amakhadi esikweletu
- Hlola ukuphrinta (ama-inthanethi kuphela)
Hlola Izimali Zokukhokha
I-Walmart ifuna ukusiza abantu abaphansi abangenayo ubudlelwane bebhange.
I-Walmart MoneyCenters iyala imali engu-$ 3.00 yokukhokha imali, uhulumeni kanye nentela (kodwa hhayi siqu) amasheke azuze u-$ 1,000 noma ngaphansi, futhi u-$ 6.00 flat ukuhlola ngaphezulu $ 1,000, kuze kube ngu-$ 5,000. Hlola amasevisi wokukhipha imali, umehluko, ngokuvamile amakhomishana akhokhelwa kusuka ku-2% ekuhloleni kukahulumeni kuya ku-4% emahokheni wokukhokha, ngekholomu ye-Lex kumagazini ka-Juni 23, 2010 we- Financial Times .
Imakethe ye-Unbanked ne-Underbanked
Amandla emakethe ye-Walmart inkulu, ngoba i- FDIC ilinganisela ukuthi imizi engaba yizigidi eziyi-17 zase-US, noma i-7.7% yabaningi, ayinayo imali (okungukuthi, ngaphandle kwama-akhawunti ebhange noma ubudlelwane bebhange), kanye nemindeni engaba yizigidi ezingama-40, noma i-18% bangaphansi kwebhange. Ucwaningo olwenziwa ngo-2008 lwama-consulting emakethe e-Aite oluthola ukuhweba emakethe lathola ukuthi i-Walmart isivele ine-11% yemakethe yokukhangela isheke ngaleso sikhathi ("Amabhange ngokumelene neWal-Mart: Round Round" eBloomberg Businessweek , ngo-Agasti 15, 2011). Ngempela, i-Walmart iphinde inikeze imali yokukhokhela intela yamahhala ukuze isebenze le ngxenye yamakhasimende ayo.
I-Green Dot Stake
I-Walmart iphinde ibe nesigxobo esincane sokulingana esingaba ngu-1% ku-Green Dot, inqubo yokukhokha exhasa i-Walmart MoneyCards ekhokhelwa kuqala futhi elayishwa kabusha, enye indawo kumakhasimende aphansi angenayo ama-akhawunti asebhange.
Phakathi naleso sikhathi, i-Green Dot ithole iBonneville Bank, ibhange elincane lebhizinisi e-Utah. Nakuba lokhu kungase kuhlinzekele indlela yeWalmart yokwengeza izinsizakalo ezigcwele zebhange e-US, inkampani yayeka ukuphishekela ilayisensi yasebhange ngonyaka ka-2007, ngemuva kokubhekene nokuphikisana okuqinile kwabalandeli bezombusazwe namabhange abesaba ukuncintisana. Ababhishobhi bemiboni yasebhange baphikisana ngokuthi i-Walmart MoneyCenters kufanele ilawulwe yi-Consumer Financial Protection Bureau eyakhiwe yi-Bill Dodd-Frank (futhi eBloomberg Businessweek , ngo-Agasti 15, 2011).
Imali Yokuboleka Kwamabhizinisi Amancane
Amalungu esitolo se-Sam's Club sikaWalmart angathola ibhizinisi elincane futhi aqale ukubolekwa kwebhizinisi kwe $ 5,000 kuya ku-$ 25,000 ngokusebenzisa inqubo yesicelo se-inthanethi ngemali ekhokhelwa. I-Superior Financial Group, isikweletu esiqinisekisiwe se-Small Business Administration (SBA) esikhishwe ngabomklomelo, yisikhwama semali mboleko, hhayi i-Walmart.
I-Walmart yaqala lolu hlelo ngo-2010, ngokuphendula inhlolovo ka-2009 lapho amalungu angu-15 e-Sam's Club ye-15% abonisa ukuthi ayenqatshelwe isikweletu.
I-Walmart noma i-Wal-Mart
I-corporation corporation isengokomthetho i- Wal-Mart Stores, i -hyphenated i-hyphenated , Inc. Kodwa-ke, i-logo yamanje yebhizinisi kanye nephawu lokuthengisa igama elilodwa ngaphandle kwezimpawu zokubhala, i- Walmart . Ezinye izincwadi, njengeThe Wall Street Journal neBloomberg Businessweek zisebenzisa i-Wal-Mart. Abanye, njenge- Financial Times balandela ukuhola kwewebsite yenkampani, esebenzisa i-Walmart, njengoba kwenza ukukhanya okusha ezitolo ze-US. Ukwengeza ekudidekeni, amaloli amaningi enkampani asalokhu ethwala igama le-Wal-Mart elinikeziwe, futhi anikeze iwebhusayithi yenkampani njenge-hyphenated wal-mart.com, nakuba ikheli lewebhu selilokhu lishintshelwa walmart.com, ngaphandle kwe-hyphen .