We'll get back to the post office in a minute. But first, who are these consumers who require a new model of financial services? The first, the so-called unbanked, are those who prefer to deal in cash and who don't use traditional, regulated banks for a myriad of reasons, including an inability or unwillingness to pay high fees or a poor credit history that precludes access to loans. To conduct financial transactions, they rely on nonregulated, alternative financial services such as check-cashing outlets, payday lenders and pawnshops. Meanwhile, "underbanked" consumers might have a checking or savings account, but they also rely heavily on alternative providers — and pay the steep price.