Direct Deposits: Creating funding flexibility in new markets

This paper looks at direct deposits as a mechanism for sourcing funds beyond a bricks-and-mortar network. The paper comes in three sections. The first describes the current state of the market and how we got there. The second makes the case for cross-border direct deposit gathering. The third examines the factors that make a direct deposit business successful and hypothesises the type of direct deposit models we may see emerging in the next few years.