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Banking System and Financial Exclusion: Towards a More Comprehensive Approach

In: Liquidity Risk, Efficiency and New Bank Business Models

Author

Listed:
  • Marta Cuesta González

    (National University of Distance Education (UNED))

  • Cristina Ruzay Paz-Curbera

    (National University of Distance Education (UNED))

  • Beatriz Fernández Olit

    (National University of Distance Education (UNED))

Abstract

The aim of this chapter is to analyse financial exclusion far beyond the classical approach of branch disappearance by including a new dimension: use difficulties. Our main hypothesis states that branch closures have been inconsistent and depended on the vulnerability of particular communities. We empirically analyse the main drivers of branch abandonment (physical access) and branch saturation (difficulties of use) in the city of Madrid and the surrounding municipalities and we find that the main socio-economic determinants of an area’s vulnerability appear statistically significant. We apply quantile regressions to better capture the more extreme cases of financial exclusion and we test our hypothesis at municipality and district levels which adds new evidence to previous studies. We conclude by discussing the main challenges of financial exclusion.

Suggested Citation

  • Marta Cuesta González & Cristina Ruzay Paz-Curbera & Beatriz Fernández Olit, 2016. "Banking System and Financial Exclusion: Towards a More Comprehensive Approach," Palgrave Macmillan Studies in Banking and Financial Institutions, in: Santiago Carbó Valverde & Pedro Jesús Cuadros Solas & Francisco Rodríguez Fernández (ed.), Liquidity Risk, Efficiency and New Bank Business Models, chapter 6, pages 127-161, Palgrave Macmillan.
    • Handle: RePEc:pal:pmschp:978-3-319-30819-7_6
    DOI: 10.1007/978-3-319-30819-7_6
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    Cited by:

    1. Julie Birkenmaier & Qiang Fu, 2018. "Household Financial Access and Use of Alternative Financial Services in the U.S.: Two Sides of the Same Coin?," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 139(3), pages 1169-1185, October.

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