Financial exclusion in Europe
By: CARBO, Santiago
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Contributor(s): GARDENER, Edward P. M | MOLYNEUX, Philip.
Material type: 
ArticlePublisher: Oxford, UK : Blackwell, February 2007Public Money & Management : integrating theory and practice in public management 27, 1, p. 21-28Abstract: This article outlines the nature, causes and extent of financial exclusion in Europe and discusses policy/industry responses to tackling it. Policy response has been ad hoc and country specific. Policy-making by the EC has been disappointing; national solutions are preferred to US-style affirmative action. The offer of basic banking accounts typically lies at the heart of many countries' efforts to increase financial inclusion and they are a common feature of European policy
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This article outlines the nature, causes and extent of financial exclusion in Europe and discusses policy/industry responses to tackling it. Policy response has been ad hoc and country specific. Policy-making by the EC has been disappointing; national solutions are preferred to US-style affirmative action. The offer of basic banking accounts typically lies at the heart of many countries' efforts to increase financial inclusion and they are a common feature of European policy
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