Financial Exclusion in Europe

Posted: 26 Jan 2007

See all articles by Santiago Carbo

Santiago Carbo

University of Granada - Faculty of Economics and Business Administration

Edward P.M. Gardener

University of Wales

Philip Molyneux

University of Sharjah; University of Sharjah - College of Business Administration

Abstract

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.

Suggested Citation

Carbo, Santiago and Gardener, Edward P.M. and Molyneux, Philip and Molyneux, Philip, Financial Exclusion in Europe. Public Money & Management, Vol. 27, No. 1, pp. 21-27, February 2007, Available at SSRN: https://ssrn.com/abstract=959518 or http://dx.doi.org/10.1111/j.1467-9302.2007.00551.x

Santiago Carbo (Contact Author)

University of Granada - Faculty of Economics and Business Administration ( email )

Granada, E-18071
Spain

Edward P.M. Gardener

University of Wales ( email )

Bangor, Wales LL57 2DG
United Kingdom

Philip Molyneux

University of Sharjah ( email )

College of Business Administration
University of Sharjah
Sharjah, Sharjah
United Arab Emirates

HOME PAGE: http://www.sharjah.ac.ae/en/academics/Colleges/business/Pages/ppl_detail.aspx?mcid=1

University of Sharjah - College of Business Administration ( email )

University City Road
Sharjah, 27272
United Arab Emirates

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