Banking Services For Everyone ?: Barriers To Bank Access And Use Around The World
Using information from 193 banks in 58 countries, the authors develop and analyze indicators of physical access, affordability, and eligibility barriers to deposit, loan, and payment services. They find substantial cross-country variation in barriers to banking and show that in many countries these...
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| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Washington, D.C
The World Bank
2006
|
| Schlagworte: | |
| Online-Zugang: | BSB01 EUV01 FHI01 HTW01 IOS01 Volltext |
| Zusammenfassung: | Using information from 193 banks in 58 countries, the authors develop and analyze indicators of physical access, affordability, and eligibility barriers to deposit, loan, and payment services. They find substantial cross-country variation in barriers to banking and show that in many countries these barriers can potentially exclude a significant share of the population from using banking services. Correlations with bank- and country-level variables show that bank size and the availability of physical infrastructure are the most robust predictors of barriers. Further, the authors find evidence that in more competitive, open, and transparent economies, and in countries with better contractual and informational frameworks, banks impose lower barriers. Finally, though foreign banks seem to charge higher fees than other banks, in foreign dominated banking systems fees are lower and it is easier to open bank accounts and to apply for loans. On the other hand, in systems that are predominantly government-owned, customers pay lower fees but also face greater restrictions in terms of where to apply for loans and how long it takes to have applications processed. These findings have important implications for policy reforms to broaden access |
| Beschreibung: | 1 Online-Ressource (60 Seiten)) |
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| 520 | 3 | |a Using information from 193 banks in 58 countries, the authors develop and analyze indicators of physical access, affordability, and eligibility barriers to deposit, loan, and payment services. They find substantial cross-country variation in barriers to banking and show that in many countries these barriers can potentially exclude a significant share of the population from using banking services. Correlations with bank- and country-level variables show that bank size and the availability of physical infrastructure are the most robust predictors of barriers. Further, the authors find evidence that in more competitive, open, and transparent economies, and in countries with better contractual and informational frameworks, banks impose lower barriers. Finally, though foreign banks seem to charge higher fees than other banks, in foreign dominated banking systems fees are lower and it is easier to open bank accounts and to apply for loans. On the other hand, in systems that are predominantly government-owned, customers pay lower fees but also face greater restrictions in terms of where to apply for loans and how long it takes to have applications processed. These findings have important implications for policy reforms to broaden access | |
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| spelling | Beck, Thorsten 1967- Verfasser (DE-588)128773197 aut Banking Services For Everyone ? Barriers To Bank Access And Use Around The World Beck, Thorsten Washington, D.C The World Bank 2006 1 Online-Ressource (60 Seiten)) txt rdacontent c rdamedia cr rdacarrier Using information from 193 banks in 58 countries, the authors develop and analyze indicators of physical access, affordability, and eligibility barriers to deposit, loan, and payment services. They find substantial cross-country variation in barriers to banking and show that in many countries these barriers can potentially exclude a significant share of the population from using banking services. Correlations with bank- and country-level variables show that bank size and the availability of physical infrastructure are the most robust predictors of barriers. Further, the authors find evidence that in more competitive, open, and transparent economies, and in countries with better contractual and informational frameworks, banks impose lower barriers. Finally, though foreign banks seem to charge higher fees than other banks, in foreign dominated banking systems fees are lower and it is easier to open bank accounts and to apply for loans. On the other hand, in systems that are predominantly government-owned, customers pay lower fees but also face greater restrictions in terms of where to apply for loans and how long it takes to have applications processed. These findings have important implications for policy reforms to broaden access Online-Ausg Bank Bank Accounts Banking Services Banks Banks and Banking Reform Checking Account Customers Debt Markets Demand Depos Deposits Emerging Markets Finance and Financial Sector Development Financial Institutions Financial Literacy Financial Services Financial Transaction Housing Private Sector Development Demirgüç-Kunt, Asli 1961- Sonstige (DE-588)124432891 oth Martínez Pería, María Soledad 1970- Sonstige (DE-588)138926514 oth Beck, Thorsten Banking Services For Everyone ? http://elibrary.worldbank.org/content/workingpaper/10.1596/1813-9450-4079 Verlag URL des Erstveröffentlichers Volltext |
| spellingShingle | Beck, Thorsten 1967- Banking Services For Everyone ? Barriers To Bank Access And Use Around The World Bank Bank Accounts Banking Services Banks Banks and Banking Reform Checking Account Customers Debt Markets Demand Depos Deposits Emerging Markets Finance and Financial Sector Development Financial Institutions Financial Literacy Financial Services Financial Transaction Housing Private Sector Development |
| title | Banking Services For Everyone ? Barriers To Bank Access And Use Around The World |
| title_auth | Banking Services For Everyone ? Barriers To Bank Access And Use Around The World |
| title_exact_search | Banking Services For Everyone ? Barriers To Bank Access And Use Around The World |
| title_exact_search_txtP | Banking Services For Everyone ? Barriers To Bank Access And Use Around The World |
| title_full | Banking Services For Everyone ? Barriers To Bank Access And Use Around The World Beck, Thorsten |
| title_fullStr | Banking Services For Everyone ? Barriers To Bank Access And Use Around The World Beck, Thorsten |
| title_full_unstemmed | Banking Services For Everyone ? Barriers To Bank Access And Use Around The World Beck, Thorsten |
| title_short | Banking Services For Everyone ? |
| title_sort | banking services for everyone barriers to bank access and use around the world |
| title_sub | Barriers To Bank Access And Use Around The World |
| topic | Bank Bank Accounts Banking Services Banks Banks and Banking Reform Checking Account Customers Debt Markets Demand Depos Deposits Emerging Markets Finance and Financial Sector Development Financial Institutions Financial Literacy Financial Services Financial Transaction Housing Private Sector Development |
| topic_facet | Bank Bank Accounts Banking Services Banks Banks and Banking Reform Checking Account Customers Debt Markets Demand Depos Deposits Emerging Markets Finance and Financial Sector Development Financial Institutions Financial Literacy Financial Services Financial Transaction Housing Private Sector Development |
| url | http://elibrary.worldbank.org/content/workingpaper/10.1596/1813-9450-4079 |
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