Sangam: A Confluence of Knowledge Streams

Banking Services for Everyone? Barriers to Bank Access and Use around the World

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dc.creator Beck, Thorsten
dc.creator Demirgüç-Kunt, Asli
dc.creator Martinez Peria, Maria Soledad
dc.date 2012-03-30T07:12:37Z
dc.date 2012-03-30T07:12:37Z
dc.date 2008-12-01
dc.date.accessioned 2023-02-18T19:41:17Z
dc.date.available 2023-02-18T19:41:17Z
dc.identifier World Bank Economic Review
dc.identifier 1564-698X
dc.identifier http://hdl.handle.net/10986/4486
dc.identifier.uri http://localhost:8080/xmlui/handle/CUHPOERS/249971
dc.description Information from 209 banks in 62 countries is used to develop new indicators of barriers to banking services around the world, show their correlation with measures of outreach, and explore their association with bank and country characteristics suggested by theory as potential determinants. Barriers such as minimum account and loan balances, account fees, and required documents are associated with lower levels of banking outreach. While country characteristics linked with financial depth, such as the effectiveness of creditor rights, contract enforcement mechanisms, and credit information systems, are weakly correlated with barriers, strong associations are found between barriers and measures of restrictions on bank activities and entry, bank disclosure practices and media freedom, and development of physical infrastructure. In particular, barriers are higher in countries where there are more stringent restrictions on bank activities and entry, less disclosure and media freedom, and poorly developed physical infrastructure. Also, barriers for bank customers are higher where banking systems are predominantly government-owned and are lower where there is more foreign bank participation. Larger banks seem to impose lower barriers on customers, perhaps because they are better positioned to exploit economies of scale and scope.
dc.publisher World Bank
dc.rights CC BY-NC-ND 3.0 IGO
dc.rights http://creativecommons.org/licenses/by-nc-nd/3.0/igo
dc.rights World Bank
dc.subject bank access
dc.subject banking services
dc.subject banks
dc.subject credit information
dc.subject credit information systems
dc.subject creditor
dc.subject enforcement mechanisms
dc.subject financial depth
dc.subject loan
dc.subject outreach
dc.title Banking Services for Everyone? Barriers to Bank Access and Use around the World
dc.type Journal Article
dc.type Journal Article
dc.coverage India
dc.coverage Bolivia
dc.coverage Albania
dc.coverage Sierra Leone
dc.coverage Cuba


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