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A Detailed Study of Financial Exclusion in the UK

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  • James Devlin

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Abstract

The concept of financial exclusion has been the subject of increasing interest and debate and is characterised as a situation where a proportion of the population have limited access to mainstream financial services. Previous studies of financial exclusion in the UK have generally focused on a particular financial service, such as bank accounts, and have incorporated differing methods and models of investigation. Thus, comparing and contrasting significant influences on exclusion across a range of financial services proves problematic. The current study uses a common model to test and compare influences on exclusion for a wide range of financial services. Findings show that the most consistent and significant influences on financial exclusion are employment status, household income, and housing tenure, closely followed by marital status, age, and level of academic qualification. A more complex relationship with the remaining explanatory variables is apparent. Copyright Springer 2005

Suggested Citation

  • James Devlin, 2005. "A Detailed Study of Financial Exclusion in the UK," Journal of Consumer Policy, Springer, vol. 28(1), pages 75-108, December.
  • Handle: RePEc:kap:jcopol:v:28:y:2005:i:1:p:75-108
    DOI: 10.1007/s10603-004-7313-y
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    File URL: http://hdl.handle.net/10.1007/s10603-004-7313-y
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    Citations

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    Cited by:

    1. Zhao, Yuying, 2016. "Regional Differences of Rural Financial Exclusion ——in Gansu and Jiangsu Province," 2016 Annual Meeting, February 6-9, 2016, San Antonio, Texas 230134, Southern Agricultural Economics Association.
    2. repec:kap:jfsres:v:52:y:2017:i:3:d:10.1007_s10693-016-0246-1 is not listed on IDEAS
    3. John Ashton & Andros Gregoriou, 2014. "The role of implicit costs and product quality in determining the customer costs of using personal current accounts," Working Papers 14001, Bangor Business School, Prifysgol Bangor University (Cymru / Wales).
    4. Hugh Morris, 2012. "Financial Exclusion and Australian Domestic General Insurance: The Impact of Financial Services Reforms," PhD Thesis, Finance Discipline Group, UTS Business School, University of Technology, Sydney, number 33.
    5. Sabrina Bunyan & Alan Collins & Gianpiero Torrisi, 2016. "Analysing Household and Intra-urban Variants in the Consumption of Financial Services: Uncovering “Exclusion” in an English City," Journal of Consumer Policy, Springer, vol. 39(2), pages 199-221, June.
    6. Mark Freel & Sara Carter & Stephen Tagg & Colin Mason, 2012. "The latent demand for bank debt: characterizing “discouraged borrowers”," Small Business Economics, Springer, vol. 38(4), pages 399-418, May.
    7. repec:spr:soinre:v:135:y:2018:i:1:d:10.1007_s11205-016-1479-y is not listed on IDEAS
    8. Yener Altunbas & John Thornton & Alper Kara, 2010. "What Determines Financial Exclusion? Evidence from Bolivian Household Data," Working Papers 10018, Bangor Business School, Prifysgol Bangor University (Cymru / Wales).
    9. Carlo Andrea Bollino & Fabrizio Botti, 2016. "Financial Exclusion and the Cost of Incomplete Participation," Atlantic Economic Journal, Springer;International Atlantic Economic Society, vol. 44(2), pages 261-262, June.
    10. Andrew Crane & Bahar Kazmi, 2010. "Business and Children: Mapping Impacts, Managing Responsibilities," Journal of Business Ethics, Springer, vol. 91(4), pages 567-586, February.
    11. Solomon Y. Deku & Alper Kara & Phil Molyneux, 2014. "Access to Consumer Credit in the UK," Working Papers 14004, Bangor Business School, Prifysgol Bangor University (Cymru / Wales).
    12. Melnik, Arie & Shy, Oz, 2015. "Exclusion, competition, and regulation in the retail loan market," Journal of Banking & Finance, Elsevier, vol. 52(C), pages 189-198.
    13. Simpson, Wayne & Buckland, Jerry, 2009. "Examining evidence of financial and credit exclusion in Canada from 1999 to 2005," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 38(6), pages 966-976, December.

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