For those interested in this topic, the Harvard Law Review similarly provided a strong argument in favor of postal banking[1] which kicked off a series of other academic work<p>[1] <a href="http://harvardlawreview.org/2014/02/its-time-for-postal-banking/" rel="nofollow">http://harvardlawreview.org/2014/02/its-time-for-postal-bank...</a>