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Bank Employees and Financial Inclusion

Most banks have now abandoned their previous function of providing advice. Instead, they view their services as products designed to maximize profits. They have started invoking the client's autonomy as a way of passing on the risk of financial exclusion to their customers. In what ways have bank employees reacted to these new circumstances?

Salariés de banque et inclusion bancaire

La grande majorité des banques se sont détournées de leur ancienne fonction de conseil et préfèrent aujourd'hui traiter leurs prestations de service comme des produits à rentabiliser au maximum. Jouant du thème de l'autonomie du client, elles se défaussent sur lui du risque d'exclusion bancaire. Comment leurs salariés réagissent-ils face à cette nouvelle donne ?
In 2011, Finanztest has surveyed surveyed among 1.610 German credit institutions if they provide for an account free of charge and found only 74 accounts that do so (however, it has to be noted that the free of charge account must not necessarily be a "Girokonto für alle"). This survey has been published on February 7, 2012. More information can be found here: http://www.test.de/themen/geldanlage-banken/test/Girokonto-Deutschlands-Konten-im-Test-4320188-4328806/ and here: http://www.finanzwirtschafter.de/21185-finanztest-studie-viele-girokonten-noch-immer-zu-teuer/.
Contenu exclusif Financité
En observant les régulations mises en place au sein des pays et les différents canaux utilisés par les migrants pour transférer des fonds vers leur pays d'origine, on peut se demander dans quelle mesure ces transferts sont accessibles aux migrants et facilitent leur inclusion financière.

Eighteenth Report of Session 2010–12

Future of cheques (Treasury Select Committee) A report by a committee of MPs welcomed the ‘belated' decision of the Payments Council to retain cheques: but it warned the Council of the need to ensure that the banks did not attempt to abandon cheques by stealth, or deter customers from using cheques. It recommended that the Payments Council should be brought formally within the system of financial regulation.

Delivering access to current accounts for all at the post office

Access to bank accounts through the Post Office (Consumer Focus) The consumer rights watchdog said that the Post Office had the potential to become a ‘neighbourhood bank' - offering access to bank accounts for all, regardless of provider, and improving access to face-to-face banking services.
08/2011
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Scaling up the credit union and social finance sector

Funded by Santander as part of its effort to support the community finance sector, the study focuses on how to develop affordable financial services in London with the solutions it outlines intended as a blue-print for the sector in general.

Extending the use of Jam Jar Accounts in the UK

Tackling financial exclusion through ‘jam jar' accounts (Social Finance) A report examined the commercial viability of new banking products that actively supported people to manage their money - reducing the risk of debt and bill payment arrears, and at the same time enabling access to lower-cost products and services through automated bill payments and online shopping.
04/2011
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