- MoneyCenters mune 1 800 yezvayo 4,300 zvitoro muUnited States
- Zvikwereti zviduku zvebhizimisi kuburikidza neSamu's Club
- Mabhengi emabhengi muCanada neMexico
- Banco Walmart branch in 263 stores in 31 Mexican cities
- Chikumbiro chikuru cheWalmart Rewards MasterCard muCanada
Idzi idzi dzakasiyana-siyana pamitambo miviri yakareba.
Chokutanga, mashambaguru ane nguva refu yekuva mabhangi akange aripo, kunyanya mabhenji ekuchengetedza mahara uye nzvimbo dzinotengeswa, nzvimbo yekubhadhara mukati mawo mazhenje ematavi mashomanana ayo anotengesa kune vatengesi, kazhinji nemaawa akareba zvichienderana neavo vari mubazi. Zvichakadaro, Walmart inoitika kuva mukuru weimba mahofisi emahofisi emarudzi ekugadzirira mitero H & R Block uye Jackson Hewitt. Chechipiri, mune mamwe marudzi akasiyana-siyana enyika (kunyanya kuUnited Kingdom), zvikwata zvakawanda zvezvitoro zvakadai seTesco zvine nhoroondo yekuisa mabhizinesi emabhengi ega ega kushanda panzvimbo dzavo dzekutengesa.
Vamwe vanocherechedza vakaona kuti zvipfeko zvinowanzove zvakanyanya kuipa pamusoro pekugovera basa rakanaka kune vatengi kupfuura mabhengi, ayo ari pachena mukutarisira kushanda kune purofiti (Special Report on International Banking, The Economist , May 16, 2009). Vanotaurawo kuti mashambaguru ane mukana wokukwikwidzana mune mari yavo shoma yekutengwa kwevatengi, nekuda kwenhamba yakawanda yevashambadziri vagara vashanda zuva rega rega.
Walmart MoneyCenters inopa mazano edzimusoro:
- Chengeta mari (kuendeswa kune dzimwe nzvimbo dzeUnited States)
- Mari inoendeswa
- Money orders
- Bill kubhadhara
- Makadhi ekubhadharwa kubhadhara
- Makadhi emakadhi
- Tarisa kudhinda
Chengetedza Mari yekubhadhara
Walmart iri kutarisa kushumira vanhu vashoma vanowana mari vasina hukama hwebhangi.
Walmart MoneyCenters inotora $ flat $ 3.00 pamari yekubhadhara mari, hurumende uye mutero (asi kwete pachedu) cheko inodhura $ 1 000 kana pasi, uye patafura $ 6.00 yekutarisa pamusoro pe $ 1 000, kusvika pa $ 5,000. Chengetedza mari yekubhadhara mari, kusiyana, kazhinji mari yekubhadhara kubva ku 2% pahurumende kuongororwa kusvika ku 4% pabhadharo chekubhadhara, pamusana peKox Column muJune 23, 2010 Nyaya yeHeddy Times .
The Unbanked and Underbanked Market
Imwe mikana yemakethe yeWalmart yakakura, sezvo FDIC inofungidzira kuti mamiriyoni gumi nemamiriyoni eAmerica, kana kuti 7.7% yevose, haina kubhadharwa (kureva, pasina mabhangi ebhengi kana ukama hwebhangi), uye mamiriyoni makumi mana emamiriyoni, kana 18%, iri pasi pedenga. Chidzidzo che 2008 chakaitwa nemakambani ekutsvakurudza mazano anoshanda Aite akawana kuti Walmart yakange iine 11% yekutengesa kutengesa misika panguva iyoyo ("Mabhangi vs. Wal-Mart: Round Two" muBloomberg Businessweek , August 15, 2011). Zvechokwadi, Walmart inopawo mitero yemitero isina kubhadhara kushumira chikamu ichi chevashandi vayo.
Green Dot Stake
Walmart inewo chiduku chiduku chemazana e1% muGreen Dot, iyo inokwidza mari iyo inotsigira Warnart MoneyCards inobhadharwa uye inogona kubhadharwa zvakare, imwe nzira yevatengi vashoma vanowana mari vasina mabhangi.
Munguva iyi, Green Dot yakawana Bonneville Bank, bhenji duku rebhizimisi muUtta. Kunyange zvazvo izvi zvichigona kupa nzira yeWalmart yekuwedzera zvivigiro zvebhangi muUnited States, kambani yakamira kutevera bhizinesi rebhangi muna 2007, mushure mekutarisana kushorwa zvakasimba kubva kune vezvematongerwe enyika uye mabhange vachitya makwikwi. Vanyori vebhizinesi rebhangi vari kukakavadzana kuti Walmart MoneyCenters inofanira kutarisirwa neChina Chengetesa Financial Protection Bureau yakagadzirwa neDodd-Frank Bill (zvakare muBloomberg Businessweek , August 15, 2011).
Mari Mikuru Yebhizimisi
Nhengo dzeWalmart's Sam's Club dzinogona kutenga mabhizimisi maduku uye kutanga mabhizimusi emabhizimisi e $ 5,000 kusvika ku $ 25,000 kuburikidza nehutano hwekutsvaga muIndaneti nekuderedzwa mari. Superior Financial Group, wezvokuchengetedza zvigadziriswe Small Business Administration (SBA) inowanikwa zvikwereti, ndiye anopa mari iyi, kwete Walmart.
Walmart yakatanga purogiramu muna 2010, mukusangana nekuongororwa kwegore ra2009 umo 15% emakambani eSam Club makambani akaratidza kuti vakanga varambidzwa chikwereti.
Walmart kana Wal-Mart
Mushandi wevabereki achiri kutenderwa nekodzero yeWal-Mart Stores, Inc. Zvisinei, ikozvino yekodhi yekodhi uye chiziviso ndiro shoko rimwe chete risina pfupa, Walmart . Mimwe mabhuku, saThe Wall Street Journal uye Bloomberg Businessweek vanoshandisa Wal-Mart. Vamwe, kufanana neHedding Times vanotevera kutungamira kwewebhuku rewebsite, iro rinoshandisa Walmart, sezvinoitawo kuiswa patsva pazvitoro zveUnited States. Kuwedzera kune kuvhiringidzwa, vazhinji vemakambani emakambani vachiri kutakura zita reWal-Mart rinoshandiswa, uye vanopa webhusaiti yekambani seyo hyphenated wal-mart.com, kunyange zvazvo kero yewebhu yakave yakashandurwa kuva walmart.com, pasina chekuita .