By Luisa Anderloni, Maria Debora Braga, Emanuele Maria Carluccio
The e-book is dedicated to a topic which merits becoming cognizance from coverage makers, monetary operators and teachers. it's the factor of unbanking or underbanking in constructed countries.
With recognize to this, the target of the authors has been that of highlighting either in a theoretic framework and during the examine of the most studies investigated on box, the need/the chance for banks, monetary associations, public professionals and non for revenue institutions to dedicate extra efforts in knowing the matter of economic exclusion that allows you to provide to low-moderate-income humans (LMI humans) new possibilities of gaining access to monetary prone (banking, credits and funding services).
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Additional info for New frontiers in banking services: emerging needs and tailored products for untapped markets
Sample text
The mainstream financial sector) may be due to a variety of factors. These include: - financial exclusion; not having a bank account; being underbanked; that is, having a bank account but in fact not using it; resorting to fringe banks for immediate – but expensive – cash or funds; over-borrowing and not being able to deal successfully with the requirements of the credit system; and, in the worst cases blacklisting by mainstream providers following debt default. Such problems are seen differently in different countries.
Furthermore, data that would allow an evaluation of the measures taken in response is not usually available on a large scale, since the available data is generally limited to reports of isolated pilot initiatives that have often not been taken beyond the pilot stage. This said, policy approaches to financial exclusion can be classified in three broad categories: market responses, self-regulation by a particular See Anderloni L. (2003a) pp. M Gardener and P. Molyneux (2005), pp. 106-110, Kempson E.
In this context it should be pointed out that, amongst initiatives aimed at preventing the risk of exclusion, several national plans have included specific initiatives to confront over-indebtedness and financial exclusion. In particular, as over-indebtedness has increased it has had unfavourable implications for poverty and exclusion amongst individuals and households (for example, they were discouraged from looking for or accepting a job)42. Initiatives taken to combat the rise in over-indebtedness include the promotion of information and the development of educational activities43.
