Table 1.
Financial capability by unbanked, underbanked, fully banked, and frequent AFS users status
| Difficulty Covering Expenses | Emergency Funds | ||||
|---|---|---|---|---|---|
|
|
|
||||
| Very difficult | Somewhat difficult | Not difficult | Yes | No | |
|
| |||||
| Unbanked | 31.16 | 51.12 | 16.53 | 4.45 | 94.04 |
| Underbanked | 32.74 | 49.24 | 17.55 | 20.05 | 78.13 |
| Fully Banked | 15.31 | 48.64 | 35.71 | 27.99 | 68.37 |
| Uses AFS | 36.26 | 47.87 | 15.57 | 13.76 | 85.06 |
| Unexpected Need | |||||
|
|
|||||
| Certainly Could | Could Probably | Could Probably Not | Could Not | N. Obs | |
| Unbanked | 5.1 | 6.33 | 21.72 | 52.42 | 91 |
| Underbanked | 7.35 | 19.01 | 8.06 | 59.27 | 101 |
| Fully Banked | 24.42 | 22.61 | 17.94 | 29.8 | 292 |
| Uses AFS | 6.65 | 17.41 | 16.38 | 53.24 | 147 |