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Tackling Financial Exclusion in the UK

In: Financial Exclusion

Author

Listed:
  • Santiago Carbó
  • Edward P. M. Gardener
  • Philip Molyneux

Abstract

This chapter outlines the various approaches that have been suggested as means to tackling financial exclusion. Eradicating financial exclusion has been a major priority of the UK Government since the mid- 1990’s onwards and is becoming increasingly important throughout Europe and elsewhere. A range of initiatives have been developed. Unlike in the US where policy aimed at dealing with financial exclusion has been mainly through the enactment of various legislation, in the UK the policy response to date has been characterised by Government as ‘facilitator and mediator’, with an emphasis on a partnership approach. In this ‘model’, the banks and the Post Office have a key role to play in helping to overcome financial exclusion. The main features of the various policy approaches taken are discussed in this chapter.

Suggested Citation

  • Santiago Carbó & Edward P. M. Gardener & Philip Molyneux, 2005. "Tackling Financial Exclusion in the UK," Palgrave Macmillan Studies in Banking and Financial Institutions, in: Financial Exclusion, chapter 0, pages 45-81, Palgrave Macmillan.
    • Handle: RePEc:pal:pmschp:978-0-230-50874-3_4
    DOI: 10.1057/9780230508743_4
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    Cited by:

    1. Agyekum, Francis K. & Reddy, Krishna & Wallace, Damien & Wellalage, Nirosha H., 2022. "Does technological inclusion promote financial inclusion among SMEs? Evidence from South-East Asian (SEA) countries," Global Finance Journal, Elsevier, vol. 53(C).
    2. García-Pérez-de-Lema, Domingo & Ruiz-Palomo, Daniel & Diéguez-Soto, Julio, 2021. "Analysing the roles of CEO's financial literacy and financial constraints on Spanish SMEs technological innovation," Technology in Society, Elsevier, vol. 64(C).

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