• In-person payments are the most costly method of receiving payments.
  
• Mail and walk-in payments cost utilities and providers $3.00 to $5.50 to process.¹
  
• Up to 30% of customers pay in person.
• Those who pay in person do so because they: prefer to pay in person (29.9%), like to pay in cash (23%), like to get a receipt (21.2%), prefer to pay as late as possible (14.2%), want to avoid disconnection (13.7%), do not trust the mail (8.2%), or like to get out of the house and see people (4.7%).²
• 14 million households are unbanked, or 28% of the U.S. population is unbanked or underserved by banks.³
  
• An estimated 48 million consumers in the U.S. do not maintain any bank account.⁴
• Reasons for not having a bank account include not having enough money, fees, minimum balances that are too high, not writing enough checks or a dislike of dealing with banks.⁵
• Nearly one-third of customers who pay in person are highly interested in paying their bills at a self-service station.⁶
• 80% of retailers in 2002 planned to add kiosks to their stores.⁷
  

Sources