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Many of the unbanked have no credit histories .

许多的无银行账户者从来没有过信用记录。

Not all the unbanked are poor , nor do all poor people lack bank accounts .

没有银行账户的人并不全都是穷人，也不是所有的穷人都没有银行账户。

Lack of regulation is the problem for mobile payments , which would be particularly suitable for the region 's unbanked masses with mobile phones .

缺少监管是移动支付的一个问题，它将适合于当地没有银行账户的人在手机上使用。

So long as he can help bring financing to china 's unbanked population whether online , offline , peer-to-peer or via big institutions mr tang says he will be satisfied .

唐宁表示，只要能帮助那些连银行账户都没有的人获得贷款不管是通过网上、线下、人人贷，还是大型金融机构他就满足了。

Santander 's model of using small , thinly staffed branches is helping it expand cheaply . Retail firms such as walmart are picking up customers who might otherwise remain unbanked by offering them prepaid cards .

西班牙国际银行利用员工数量稀少的小型分行的模式正在帮助该行低成本扩张；而诸如沃尔玛这样的零售企业正在通过提供预付费卡的方式，增加原本或许仍然没有银行账户的客户。