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New Frontiers in Banking Services [electronic resource] :Emerging Needs and Tailored Products for Untapped Markets / edited by Luisa Anderloni, Maria Debora Braga, Emanuele Maria Carluccio.

by Anderloni, Luisa [editor.]; Braga, Maria Debora [editor.]; Carluccio, Emanuele Maria [editor.]; SpringerLink (Online service).
Material type: materialTypeLabelBookPublisher: Berlin, Heidelberg : Springer Berlin Heidelberg, 2007.Description: XII, 377 p. online resource.ISBN: 9783540464983.Subject(s): Economics | Macroeconomics | Banks and banking | Economics/Management Science | Finance /Banking | Macroeconomics/Monetary EconomicsDDC classification: 657.8333 | 658.152 Online resources: Click here to access online
Contents:
I -- Access to Bank Accounts and Payment Services -- Access to Credit: the Difficulties of Households -- Access to Investments and Asset Building for Low Income People -- II -- What Are the Specific Economic Gains from Improved Financial Inclusion? A Tentative Methodology for Estimating These Gains -- From Financial Exclusion to Overindebtedness: the Paradox of Difficulties for People on Low Incomes? -- The Role of German Savings Banks in Preventing Financial Exclusion -- Economic Growth and the Financial Inclusion: the Case of Poland -- Italian Banks’ Credit Approach Towards Low-Income Consumers and Microenterprises: Is There a Bias Against Some Segments of Customers? -- Banking the Poor: Policies to Bring Low- and Moderate-Income Households in the United States into the Financial Mainstream -- Migrants and Remittances -- Conclusions.
In: Springer eBooksSummary: The book is devoted to a subject which deserves growing attention from policy makers, financial operators and academics. It is the issue of unbanking or underbanking in developed countries. With respect to this, the goal of the authors has been that of highlighting both in a theoretic framework and through the study of the main experiences investigated on field, the need/the opportunity for banks, financial institutions, public authorities and non for profit associations to devote more efforts in understanding the problem of financial exclusion in order to offer to low-moderate-income people (LMI people) new opportunities of accessing financial services (banking, credit and investment services).
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I -- Access to Bank Accounts and Payment Services -- Access to Credit: the Difficulties of Households -- Access to Investments and Asset Building for Low Income People -- II -- What Are the Specific Economic Gains from Improved Financial Inclusion? A Tentative Methodology for Estimating These Gains -- From Financial Exclusion to Overindebtedness: the Paradox of Difficulties for People on Low Incomes? -- The Role of German Savings Banks in Preventing Financial Exclusion -- Economic Growth and the Financial Inclusion: the Case of Poland -- Italian Banks’ Credit Approach Towards Low-Income Consumers and Microenterprises: Is There a Bias Against Some Segments of Customers? -- Banking the Poor: Policies to Bring Low- and Moderate-Income Households in the United States into the Financial Mainstream -- Migrants and Remittances -- Conclusions.

The book is devoted to a subject which deserves growing attention from policy makers, financial operators and academics. It is the issue of unbanking or underbanking in developed countries. With respect to this, the goal of the authors has been that of highlighting both in a theoretic framework and through the study of the main experiences investigated on field, the need/the opportunity for banks, financial institutions, public authorities and non for profit associations to devote more efforts in understanding the problem of financial exclusion in order to offer to low-moderate-income people (LMI people) new opportunities of accessing financial services (banking, credit and investment services).

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