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New Frontiers in Banking Services

Emerging Needs and Tailored Products for Untapped Markets

  • Book
  • © 2007

Overview

Editors:
  1. Luisa Anderloni

    1. Milan State University, Milan, Italy

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  2. Maria Debora Braga

    1. University of Valle d’Aosta — Université de la Vallée D’Aoste, Aosta, Italy

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  3. Emanuele Maria Carluccio

    1. University of Valle d’Aosta — Université de la Vallée D’Aoste, Aosta, Italy

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Table of contents (12 chapters)

  1. Front Matter

    Pages I-XII
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  2. Introduction

    1. Introduction

      • Benoît Jolivet
      Pages 1-2

  3. Part I

    1. Front Matter

      Pages 3-3
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    2. Access to Bank Accounts and Payment Services

      • Luisa Anderloni, Emanuele Maria Carluccio
      Pages 5-105

    3. Access to Credit: the Difficulties of Households

      • Laura Nieri
      Pages 107-140

    4. Access to Investments and Asset Building for Low Income People

      • Maria Debora Braga
      Pages 141-181

  4. Back Matter

    Pages 183-187
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  5. Part II

    1. Front Matter

      Pages 189-189
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    2. What Are the Specific Economic Gains from Improved Financial Inclusion? A Tentative Methodology for Estimating These Gains

      • Philip Molyneux
      Pages 191-211

    3. From Financial Exclusion to Overindebtedness: the Paradox of Difficulties for People on Low Incomes?

      • Georges Gloukoviezoff
      Pages 213-245

    4. The Role of German Savings Banks in Preventing Financial Exclusion

      • Natalia Bresler, Ingrid Größl, Anke Turner
      Pages 247-269

    5. Economic Growth and the Financial Inclusion: the Case of Poland

      • Ewa Miklaszewska
      Pages 271-298

    6. Italian Banks’ Credit Approach Towards Low-Income Consumers and Microenterprises: Is There a Bias Against Some Segments of Customers?

      • Eliana Angelini
      Pages 299-321

    7. Banking the Poor: Policies to Bring Low- and Moderate-Income Households in the United States into the Financial Mainstream

      • Michael S. Barr
      Pages 323-351

    8. Migrants and Remittances

      • Luisa Anderloni
      Pages 353-371

    9. Conclusions

      • Benoît Jolivet
      Pages 373-375

  6. Back Matter

    Pages 377-377
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Keywords

About this book

This book is devoted to an issue that is the subject of growing interest amongst policy makers, financial providers and academics. That issue is the problem of unbanking or underbanking in developed countries. The issue has arisen because, faced with an ever more sophisticated and efficient financial system, an increasing number of people have found themselves in danger of being excluded from it. The goal of the papers that follow is to draw attention, both through a theoretical framework and through field study, to the need for banks, financial institutions, public authorities and non profit associations to increase their efforts to understand the process of financial exclusion, so that they can develop approaches to help people on low to moderate incomes to gain access to the whole range of financial services, from payment to savings, and from loans to investment. Some farsighted banks and financial institutions have already developed strategies, and introduced new products and services, to promote financial inclusion in these untapped markets. The research group is international and multi-disciplinary. The authors are grateful to the Italian Ministry for University Research (MIUR) for financial assistance provided under the “PRIN 2003” programme. The volume has been produced thanks to support from the University of Valle d’Aosta – Université de la Vallée d’Aoste (Italy), which has an leading reputation for encouraging research on financial innovation aimed at marginalised groups.

Editors and Affiliations

  • Milan State University, Milan, Italy

    Luisa Anderloni

  • University of Valle d’Aosta — Université de la Vallée D’Aoste, Aosta, Italy

    Maria Debora Braga, Emanuele Maria Carluccio

Bibliographic Information

  • Book Title: New Frontiers in Banking Services

  • Book Subtitle: Emerging Needs and Tailored Products for Untapped Markets

  • Editors: Luisa Anderloni, Maria Debora Braga, Emanuele Maria Carluccio

  • DOI: https://doi.org/10.1007/978-3-540-46498-3

  • Publisher: Springer Berlin, Heidelberg

  • eBook Packages: Business and Economics, Economics and Finance (R0)

  • Copyright Information: Springer-Verlag Berlin Heidelberg 2007

  • Hardcover ISBN: 978-3-540-46497-6Published: 13 November 2006

  • Softcover ISBN: 978-3-642-07984-9Published: 14 October 2010

  • eBook ISBN: 978-3-540-46498-3Published: 21 March 2007

  • Edition Number: 1

  • Number of Pages: XII, 378

  • Topics: Finance, general, Macroeconomics/Monetary Economics//Financial Economics

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