- MoneyCenters mu 1,800 masitolo ake 4,300 ku United States
- Ngongole zazing'ono zamalonda kudzera m'masitolo a Sam
- Malayisensi a banki ku Canada ndi Mexico
- Nthambi za Walmart m'mabwalo 263 m'midzi 31 ya Mexico
- Cholinga chachikulu cha Mphoto ya Walmart MasterCard ku Canada
Izi ndizosiyana pamitu iwiri yambiri.
Choyamba, masitolo akuluakulu akhala ndi mabanki omwe kale amakhalapo, makamaka mabanki osungirako ndalama ndi malo osungirako ndalama, malo ochita lendi m'nyumba zawo kuti apeze nthambi zing'onozing'ono zomwe zimapatsa anthu ogulitsa, nthawi zambiri ndi maola ochulukirapo poyerekeza ndi omwe ali nthambi. Pakalipano, Walmart amakhala mwini nyumba yoyang'anira maofesi a makampani okonza msonkho H & R Block ndi Jackson Hewitt. Chachiwiri, m'misika yambiri ya mayiko (makamaka United Kingdom), makampani akuluakulu a Supermarket monga Tesco ali ndi mbiri ya kukhazikitsa mabanki okhaokha kuti agwire ntchito zawo.
Anthu ena owona kuti masitolo akuluakulu amakhala ovuta kwambiri pothandiza kupereka makasitomala abwino kwambiri kusiyana ndi mabanki, omwe ali omveka bwino poyang'anira ntchito yopindula (Special Report on International Banking, The Economist , May 16, 2009). Amawonetsanso kuti masitolo akuluakulu amakhala ndi mpikisano wothamanga pa mtengo wawo wotsika wogula makasitomala, chifukwa cha anthu ambiri ogulitsa omwe akutumikira kale tsiku ndi tsiku.
Walmart MoneyCenters amapereka izi:
- Onetsetsani ndalama (kutambasulidwa ku masitolo onse a US)
- Kusamutsidwa kwa ndalama
- Malangizo a ndalama
- Bill kulipira
- Makhadi a debit olipidwa
- Makhadi a ngongole
- Yang'anani kusindikiza
Fufuzani Malipiro a Kuswa
Walmart ikuyang'ana kuthandiza anthu otsika omwe alibe mabanki.
Walmart MoneyCenters amapereka ndalama zokwana $ 3.00 ku malipiro a ndalama, boma ndi msonkho (koma osati payekha) kufufuza kumafunika ndalama zokwana $ 1,000 kapena zochepa, ndi pulogalamu $ 6.00 yowunika pa $ 1,000, mpaka pa $ 5,000. Onetsetsani ndalama zothandizira ndalama, kusiyana, kawirikawiri malipiro amtundu wochokera ku 2% pa kayendetsedwe ka boma kupita ku 4% pa ma checkroll pamsonkhanowu, pa Khosi Lalikulu mu Financial Times pa June 23, 2010.
Msika wa Unbanked ndi Wogonjetsedwa
Maluso a msika a Walmart ndi aakulu, popeza FDIC ikuyesa kuti pafupifupi 17 miliyoni a ku America, kapena 7.7% mwa anthu onse, alibe ndalama (ie, alibe mabanki kapena mabanki), ndipo nyumba zoposa 40 miliyoni, kapena 18% ali pansipa. Phunziro la 2008 la kafukufuku wamalonda ku Aite linapeza kuti Walmart idali nayo 11% ya msika wogulitsa masonda nthawi imeneyo ("Mabanki vs. Wal-Mart: Round Two" ku Bloomberg Businessweek , August 15, 2011). Inde, Walmart imaperekanso ndalama zothandizira msonkho kwaulere kuti azigwira ntchitoyi.
Mtundu wa Dot Green
Walmart imakhalanso ndi mtengo wochepa wa 1% ku Green Dot, pulogalamu ya malipiro yomwe imapereka ndalama zowonjezera komanso zowonjezereka za Walmart MoneyCards, njira yowonjezera kwa makasitomala ochepa omwe alibe makaunti a banki.
Panthawiyi, Green Dot yapeza Bonneville Bank, mabanki ang'onoang'ono amalonda ku Utah. Ngakhale kuti izi zingapangitse njira ya Walmart kuwonjezera ma banki onse ku US, kampaniyo inaleka kuchita chikalata cha banki mu 2007, itatha kutsutsidwa kwakukulu kuchokera kwa otsutsa ndale ndi mabanki oopa mpikisano. Olemba mabungwe ogulitsa mabanki akutsutsana kuti Walmart MoneyCenters iyenera kuyendetsedwa ndi Bungwe la Consumer Financial Protection Bureau lopangidwa ndi Dodd-Frank Bill (komanso Bloomberg Businessweek , August 15, 2011).
Ndalama Zang'ono Zamalonda
Amagulu a Sam's Club a Walmart angapeze bizinesi yaying'ono ndikuyambitsa ngongole ya bizinesi ya $ 5,000 mpaka $ 25,000 kupyolera mu njira yogwiritsa ntchito pa intaneti ndi malipiro ochepa. Superior Financial Group, ngongole yobwezeredwa ya Small Business Administration (SBA) yopereka ndalama, ndi amene amapereka ngongole, osati Walmart.
Walmart inayambitsa pulogalamuyi mu 2010, poyankha kafukufuku wa 2009 omwe 15% mwa anthu a bizinesi a Sam Club adawonetsa kuti iwo anakanidwa ngongole.
Walmart kapena Wal-Mart
Bungwe la makolo lidali lovomerezeka mwalamulo ndi Wal-Mart Stores, Inc. Komabe, zolemba zamakono ndi chizindikiro ndi mawu amodzi osatulutsa zilembo, Walmart . Mabuku ena, monga Wall Street Journal ndi Bloomberg Businessweek amagwiritsa ntchito Wal-Mart. Ena, monga Financial Times amatsatira kutsogolo kwa webusaitiyi, yomwe imagwiritsira ntchito Walmart, monga momwe kuwonetsera kwatsopano kumasitolo a US. Kuwonjezera pa chisokonezo, magalimoto ambiri a kampaniyi adakali ndi dzina lopangidwa ndi Wal-Mart, ndipo amapereka webusaiti ya kampani ngati hyphenated wal-mart.com, ngakhale adiresi yanu yasinthidwa kukhala walmart.com, popanda chithunzi .