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

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dc.contributor.authorMartinez Peria, Maria Soledad
dc.contributor.authorBeck, Thorsten
dc.contributor.authorDemirguc-Kunt, Asli
dc.date.accessioned2012-06-22T19:27:50Z
dc.date.available2012-06-22T19:27:50Z
dc.date.issued2006-12
dc.description.abstractUsing 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.en
dc.identifierhttp://documents.worldbank.org/curated/en/2006/12/7245845/banking-services-everyone-barriers-bank-access-use-around-world
dc.identifier.doi10.1596/1813-9450-4079
dc.identifier.urihttps://hdl.handle.net/10986/8833
dc.languageEnglish
dc.language.isoen_US
dc.publisherWorld Bank, Washington, DC
dc.relation.ispartofseriesPolicy Research Working Paper; No. 4079
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCOUNT
dc.subjectADVERSE SELECTION
dc.subjectAGENCY PROBLEMS
dc.subjectASYMMETRIC INFORMATION
dc.subjectBANK ACCOUNTS
dc.subjectBANK ASSETS
dc.subjectBANK LOANS
dc.subjectBANKING
dc.subjectBANKING SECTOR
dc.subjectBANKING SERVICES
dc.subjectBANKING SYSTEM
dc.subjectBANKING SYSTEMS
dc.subjectBANKS
dc.subjectCHECKING
dc.subjectCHECKING ACCOUNTS
dc.subjectCOMPETITIVENESS
dc.subjectCONTRACT ENFORCEMENT
dc.subjectDEPOSIT ACCOUNTS
dc.subjectDEPOSITORS
dc.subjectDEPOSITS
dc.subjectDEVELOPMENT
dc.subjectECONOMIC GROWTH
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INTERMEDIARIES
dc.subjectFINANCIAL INTERMEDIARY DEVELOPMENT
dc.subjectFINANCIAL SECTOR
dc.subjectFINANCIAL SECTOR DEVELOPMENT
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SYSTEMS
dc.subjectFOREIGN BANKS
dc.subjectGDP
dc.subjectGDP PER CAPITA
dc.subjectGINI COEFFICIENT
dc.subjectINCOME
dc.subjectINCOME DISTRIBUTION
dc.subjectINTEREST RATES
dc.subjectLATIN AMERICAN
dc.subjectLEGISLATION
dc.subjectMICROFINANCE
dc.subjectMIDDLE EAST
dc.subjectMORAL HAZARD
dc.subjectMORTGAGE LOANS
dc.subjectOWNERSHIP STRUCTURE
dc.subjectPER CAPITA INCOME
dc.subjectPRODUCTIVITY
dc.subjectPRODUCTIVITY GROWTH
dc.subjectREGRESSION ANALYSIS
dc.subjectSAVINGS
dc.subjectSAVINGS ACCOUNTS
dc.subjectSMALL BANKS
dc.subjectSUB-SAHARAN AFRICA
dc.subjectTRANSACTION COSTS
dc.subjectTRANSPARENCY
dc.subjectTRINIDAD AND TOBAGO
dc.subjectWESTERN EUROPE
dc.titleBanking Services for Everyone? Barriers to Bank Access and Use around the Worlden
dspace.entity.typePublication
okr.crosscuttingsolutionareaPublic-Private Partnerships
okr.crossref.titleBanking Services For Everyone ? Barriers To Bank Access And Use Around The World
okr.date.doiregistration2025-04-10T09:58:28.108737Z
okr.doctypePublications & Research::Policy Research Working Paper
okr.doctypePublications & Research
okr.docurlhttp://documents.worldbank.org/curated/en/2006/12/7245845/banking-services-everyone-barriers-bank-access-use-around-world
okr.globalpracticeMacroeconomics and Fiscal Management
okr.globalpracticeFinance and Markets
okr.globalpracticeTrade and Competitiveness
okr.guid516081468141269450
okr.identifier.doi10.1596/1813-9450-4079
okr.identifier.externaldocumentum000016406_20061205153435
okr.identifier.internaldocumentum7245845
okr.identifier.reportWPS4079
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2006/12/05/000016406_20061205153435/Rendered/PDF/wps4079.pdfen
okr.topicEconomic Theory and Research
okr.topicBanks and Banking Reform
okr.topicFinance and Financial Sector Development::Financial Intermediation
okr.topicPrivate Sector Development::Competitiveness and Competition Policy
okr.topicFinancial Crisis Management and Restructuring
okr.topicMacroeconomics and Economic Growth
okr.unitDevelopment Research Group (DECRG)
okr.volume1 of 1
relation.isAuthorOfPublication4694cd5a-bd90-594b-abe2-f5b681139e6d
relation.isAuthorOfPublication234a20c0-893c-561a-8c90-6f5be5be5b9b
relation.isAuthorOfPublication.latestForDiscovery4694cd5a-bd90-594b-abe2-f5b681139e6d
relation.isSeriesOfPublication26e071dc-b0bf-409c-b982-df2970295c87
relation.isSeriesOfPublication.latestForDiscovery26e071dc-b0bf-409c-b982-df2970295c87
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