Schulman oversaw Amex’s unveiling of two prepaid cards, Bluebird and Serve, which even financial industry critics acknowledged were pretty good about reducing fees. In 2011, The New York Times’ Tara Siegel Bernard said Serve "appears to right many of the industry’s wrongs." At Reuters, Felix Salmon called it "a huge improvement, from a consumer perspective, over any prepaid alternative," and suggested that it might even have some advantages over checking accounts: "The Amex card is never going to surprise you with something nasty and unexpected in the way that checking accounts are prone to doing."

http://www.inc.com/maria-aspan/the-paypal-problem-for-poor-people.html