Rand兰德：2024银行非银行化：CalAccount市场研究和可行性评估报告（英文版）

This report documents an analysis, conducted in response to the California Public Banking Option Act, of the feasibility of the CalAccount Program, which would seek to facilitate basic financial transactions for unbanked and underbanked Californians by providing them with a voluntary, zero-fee, zero-penalty, federally insured transaction account and related payment services.