{"id":1015,"date":"2012-03-16T14:41:56","date_gmt":"2012-03-16T14:41:56","guid":{"rendered":"http:\/\/beta.sellcell.com\/blog\/?p=1015"},"modified":"2019-04-12T11:07:38","modified_gmt":"2019-04-12T11:07:38","slug":"cell-phones-show-no-digital-divide","status":"publish","type":"post","link":"https:\/\/www.sellcell.com\/blog\/cell-phones-show-no-digital-divide\/","title":{"rendered":"Cell phones show no digital divide"},"content":{"rendered":"<p><a href=\"https:\/\/www.sellcell.com\/blog\/wp-content\/uploads\/2012\/03\/Mobile-phone-and-coin.jpg\"><noscript><img decoding=\"async\" class=\"alignleft size-full wp-image-1016\" title=\"Mobile phone and coin\" src=\"https:\/\/www.sellcell.com\/blog\/wp-content\/uploads\/2012\/03\/Mobile-phone-and-coin.jpg\" alt width=\"180\" height=\"120\"><\/noscript><img decoding=\"async\" class=\"alignleft size-full wp-image-1016 lazyload\" title=\"Mobile phone and coin\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%20180%20120%22%3E%3C%2Fsvg%3E\" alt width=\"180\" height=\"120\" data-src=\"https:\/\/www.sellcell.com\/blog\/wp-content\/uploads\/2012\/03\/Mobile-phone-and-coin.jpg\"><\/a>In recent years, one company after another has brought up ways in which Americans may soon be able to use their cell phones as a form of mobile wallet.&nbsp; Most of the ideas under consideration, however, have involved providing additional banking services to Americans who already have extensive forms of access to financial institutions.&nbsp; While these new services will add an unprecedented convenience factor to banking, they will not fundamentally expand banking services to new groups of people.<\/p>\n<p class=\"mb10\">\n<\/p><p>A new survey conducted by the U.S.&nbsp; Federal Reserve, however, has focused on this very issue: how can cell phones empower customers that currently are underserved by the nation&#8217;s banks.&nbsp; Not so very long ago, it was believed that online access would be the key to solving this problem.&nbsp; Then, it became clear that there was a \u2018digital divide\u2019 between the haves and have-nots; many Americans who lack bank accounts also have no broadband or even internet access.<\/p>\n<p class=\"mb10\">\n<\/p><p>Cell phones are another story, however.&nbsp; The trend toward mobile communications has been so extensive and rapid that researchers are realizing that there is no real digital divide when it comes to cell phones.&nbsp; Even those who have no home computer and very little PC-based access to the internet tend to have at least one cell phone.&nbsp; By using their phones, such Americans can indeed participate in the online revolution and begin to access banking services.&nbsp; According to the Fed, more than 85 percent of Americans possess a mobile phone and already more than 20 percent of us use our phones in some kind of way that involves financial institutions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In recent years, one company after another has brought up ways in which Americans may soon be able to use their cell phones as a form of mobile wallet.  <\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1821],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cell phones show no digital divide<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sellcell.com\/blog\/cell-phones-show-no-digital-divide\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cell phones 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