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

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creativeworkseries.issn1564-698X
dc.contributor.authorMartinez Peria, Maria Soledad
dc.contributor.authorBeck, Thorsten
dc.contributor.authorDemirgüç-Kunt, Asli
dc.date.accessioned2012-03-30T07:12:37Z
dc.date.available2012-03-30T07:12:37Z
dc.date.issued2008-12-01
dc.description.abstractInformation 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.en
dc.identifier.citationWorld Bank Economic Review
dc.identifier.doi10.1596/4486
dc.identifier.issn1564-698X
dc.identifier.urihttps://hdl.handle.net/10986/4486
dc.publisherWorld Bank
dc.relation.ispartofseriesWorld Bank Economic Review
dc.rightsCC BY-NC-ND 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by-nc-nd/3.0/igo
dc.subjectbank access
dc.subjectbanking services
dc.subjectbanks
dc.subjectcredit information
dc.subjectcredit information systems
dc.subjectcreditor
dc.subjectenforcement mechanisms
dc.subjectfinancial depth
dc.subjectloan
dc.subjectoutreach
dc.titleBanking Services for Everyone? Barriers to Bank Access and Use around the Worlden
dc.typeJournal Articleen
dc.typeArticle de journalfr
dc.typeArtículo de revistaes
dspace.entity.typePublication
okr.date.doiregistration2025-05-06T11:28:16.578634Z
okr.doctypeJournal Article
okr.globalpracticeFinance and Markets
okr.globalpracticeTrade and Competitiveness
okr.identifier.report3
okr.language.supporteden
okr.pagenumber397
okr.pagenumber430
okr.pdfurlwber_22_3_397.pdfen
okr.peerreviewAcademic Peer Review
okr.region.countryIndia
okr.region.countryBolivia
okr.region.countryAlbania
okr.region.countrySierra Leone
okr.region.countryCuba
okr.topicFinance and Financial Sector Development::Access to Finance
okr.topicBanks and Banking Reform
okr.topicFinance and Financial Sector Development::Debt Markets
okr.topicPrivate Sector Development::Emerging Markets
okr.volume22
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relation.isJournalIssueOfPublication209ea377-1596-4a5d-911e-b0f76aec7c05
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