Publication:
The Basic Analytics of Access to Financial Services

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dc.contributor.authorBeck, Thorsten
dc.contributor.authorde la Torre, Augusto
dc.date.accessioned2012-06-26T18:12:35Z
dc.date.available2012-06-26T18:12:35Z
dc.date.issued2006-10
dc.description.abstractAccess to financial services, or rather the lack thereof, is often indiscriminately decried as a problem in many developing countries. The authors argue that the "problem of access" should rather be analyzed by identifying different demand and supply constraints. They use the concept of an access possibilities frontier, drawn for a given set of state variables, to distinguish between cases where a financial system settles below the constrained optimum, cases where this constrained optimum is too low, and-in credit services-cases where the observed outcome is excessively high. They distinguish between payment and savings services and fixed intermediation costs, on the one hand, and lending services and different sources of credit risk, on the other hand. The authors include both supply and demand side frictions that can lead to lower access. The analysis helps identify bankable and banked population, the binding constraint to close the gap between the two, and policies to prudently expand the bankable population. This new conceptual framework can inform the debate on adequate policies to expand access to financial services and can serve as the basis for an informed measurement of access.en
dc.identifierhttp://documents.worldbank.org/curated/en/2006/10/7105064/basic-analytics-access-financial-services
dc.identifier.doi10.1596/1813-9450-4026
dc.identifier.urihttps://hdl.handle.net/10986/9271
dc.languageEnglish
dc.language.isoen_US
dc.publisherWorld Bank, Washington, DC
dc.relation.ispartofseriesPolicy Research Working Paper; No. 4026
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCOUNTING
dc.subjectACCOUNTING SYSTEMS
dc.subjectADVERSE SELECTION
dc.subjectAGENCY PROBLEMS
dc.subjectAGGREGATE DEMAND
dc.subjectAGGREGATE SUPPLY
dc.subjectASYMMETRIC INFORMATION
dc.subjectBANK ACCOUNTS
dc.subjectBANK BRANCHES
dc.subjectBANKING SYSTEM
dc.subjectBORROWING
dc.subjectCAPITAL REQUIREMENTS
dc.subjectCATERING
dc.subjectCHECKING ACCOUNTS
dc.subjectCOMPETITION
dc.subjectCOMPETITIVENESS
dc.subjectCONSOLIDATION
dc.subjectCONTESTABILITY
dc.subjectCONTRACT ENFORCEMENT
dc.subjectCREDIT RISK
dc.subjectDEFAULT RISK
dc.subjectDEMAND CURVE
dc.subjectDEMAND CURVES
dc.subjectDEMAND SIDE
dc.subjectDEPOSIT ACCOUNTS
dc.subjectDEPOSITS
dc.subjectDEREGULATION
dc.subjectDISECONOMIES OF SCALE
dc.subjectECONOMIC
dc.subjectECONOMIC DEMAND
dc.subjectECONOMIC GROWTH
dc.subjectECONOMIC SIZE
dc.subjectECONOMIES OF SCALE
dc.subjectEMERGING MARKETS
dc.subjectETHNIC GROUPS
dc.subjectEXTERNALITIES
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INTERMEDIARIES
dc.subjectFINANCIAL MARKET
dc.subjectFINANCIAL MARKETS
dc.subjectFINANCIAL SECTOR
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SYSTEMS
dc.subjectFIXED COSTS
dc.subjectFOREIGN BANKS
dc.subjectHEALTH SERVICES
dc.subjectIMPERFECT COMPETITION
dc.subjectINCOME
dc.subjectINEFFICIENCY
dc.subjectINFLATION
dc.subjectINFLATION RATE
dc.subjectINSURANCE
dc.subjectINTEREST RATE
dc.subjectLENDING PRACTICES
dc.subjectLIQUIDITY
dc.subjectLOTTERY
dc.subjectMARKET POTENTIAL
dc.subjectMARKET STRUCTURE
dc.subjectMARKETING
dc.subjectMERGERS
dc.subjectMORAL HAZARD
dc.subjectNETWORK EXTERNALITIES
dc.subjectNOMINAL INTEREST RATE
dc.subjectOPERATIONAL RISK
dc.subjectPAYMENT SYSTEMS
dc.subjectPER CAPITA INCOME
dc.subjectPOLICY
dc.subjectPOTENTIAL DEMAND
dc.subjectPRESENT VALUE
dc.subjectPRODUCTION FUNCTION
dc.subjectPRODUCTION FUNCTIONS
dc.subjectPROFIT FUNCTIONS
dc.subjectPUBLIC GOOD
dc.subjectREAL INTEREST RATE
dc.subjectREGULATORY FRAMEWORK
dc.subjectREGULATORY POLICY
dc.subjectRETAIL
dc.subjectSAVINGS
dc.subjectSAVINGS ACCOUNTS
dc.subjectSAVINGS BANKS
dc.subjectSAVINGS RATES
dc.subjectSECURITIES
dc.subjectSMALL BANKS
dc.subjectSPREAD
dc.subjectSUBSIDIARIES
dc.subjectSUPPLIERS
dc.subjectSUPPLY CURVE
dc.subjectSUPPLY CURVES
dc.subjectSUPPLY SCHEDULE
dc.subjectSYSTEMIC RISK
dc.subjectTRANSACTION COSTS
dc.subjectTRANSACTIONS COSTS
dc.subjectTRANSPORT
dc.subjectVOLATILITY
dc.subjectWEALTH
dc.titleThe Basic Analytics of Access to Financial Servicesen
dspace.entity.typePublication
okr.crossref.titleThe Basic Analytics Of Access To Financial Services
okr.date.doiregistration2025-04-10T09:44:31.832309Z
okr.doctypePublications & Research::Policy Research Working Paper
okr.doctypePublications & Research
okr.docurlhttp://documents.worldbank.org/curated/en/2006/10/7105064/basic-analytics-access-financial-services
okr.globalpracticeMacroeconomics and Fiscal Management
okr.globalpracticeFinance and Markets
okr.globalpracticeFinance and Markets
okr.globalpracticeTrade and Competitiveness
okr.guid586361468166156750
okr.identifier.doi10.1596/1813-9450-4026
okr.identifier.externaldocumentum000016406_20061003154257
okr.identifier.internaldocumentum7105064
okr.identifier.reportWPS4026
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2006/10/03/000016406_20061003154257/Rendered/PDF/wps4026.pdfen
okr.topicEconomic Theory and Research
okr.topicBanks and Banking Reform
okr.topicFinance and Financial Sector Development::Financial Intermediation
okr.topicMacroeconomics and Economic Growth::Markets and Market Access
okr.topicInternational Economics and Trade::Access to Markets
okr.topicInternational Economics and Trade
okr.unitDevelopment Research Group (DECRG)
okr.volume1 of 1
relation.isAuthorOfPublication4694cd5a-bd90-594b-abe2-f5b681139e6d
relation.isAuthorOfPublication35317b87-0569-5cde-bb5e-db1a425e6889
relation.isAuthorOfPublication.latestForDiscovery35317b87-0569-5cde-bb5e-db1a425e6889
relation.isSeriesOfPublication26e071dc-b0bf-409c-b982-df2970295c87
relation.isSeriesOfPublication.latestForDiscovery26e071dc-b0bf-409c-b982-df2970295c87
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