There have been a lot of numbers thrown around during the ongoing banking crisis. But here's a few you might not believe: 28 million people in the United States have NO bank account while another 40 million households are "underbanked," meaning they have an account but don't really use it. You might think America's big banks would be scrambling to bring these folks into the fold. But they aren't. To help us understand what big banks could be doing better—and how a number of smaller banks are stepping in to fill the vacuum—The Takeaway talks with Jennifer Tescher, the Director of the Center for Financial Services Innovation.