Use more image captions as often as possible allow us to look at underserved communities and structure products that appeal to them . When you look at Sharia-compliant loans , for example , you can ' t have interest rates with those . So how does the bank go about ensuring that margin ? For us , that ' s secondary to how we actually structure that product .”
Another way Sunrise Banks improves financial inclusion for its customers is by allowing all customers – regardless of their race or background – to have access to the financial system . The diverse approach it takes to its workforce is mirrored in the work that it does with its customers , including those who are most often excluded from accessing financial services . This includes migrants .
Some migrants , particularly undocumented migrants , may lack a social security number ( SSN ), making it difficult for them to bank , save and borrow . But Sunrise Banks has a purpose loftier than one person ' s immigration status , so they have created innovative ways to ensure they can still offer products and services to that customer . One product replaces the need for a SSN with an individual tax identification number ( ITIN ), which an undocumented migrant is more likely to possess . It ' s all about creating products that are tailored to unique demographics or customer groups , the bank says , rather than just being another rejection letter along the way . In turn , doing good creates a competitive benefit for the bank . “ If those customers need to get a mortgage
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