New Frontiers in Banking Services

Emerging Needs and Tailored Products for Untapped Markets

  • Luisa Anderloni
  • Maria Debora Braga
  • Emanuele Maria Carluccio

Table of contents

  1. Front Matter
    Pages I-XII
  2. Introduction

    1. Benoît Jolivet
      Pages 1-2
  3. Part I

    1. Front Matter
      Pages 3-3
    2. Luisa Anderloni, Emanuele Maria Carluccio
      Pages 5-105
    3. Back Matter
      Pages 183-187
  4. Part II

  5. Back Matter
    Pages 377-377

About this book


This book is devoted to an issue that is the subject of growing interest amongst policy makers, financial providers and academics. That issue is the problem of unbanking or underbanking in developed countries. The issue has arisen because, faced with an ever more sophisticated and efficient financial system, an increasing number of people have found themselves in danger of being excluded from it. The goal of the papers that follow is to draw attention, both through a theoretical framework and through field study, to the need for banks, financial institutions, public authorities and non profit associations to increase their efforts to understand the process of financial exclusion, so that they can develop approaches to help people on low to moderate incomes to gain access to the whole range of financial services, from payment to savings, and from loans to investment. Some farsighted banks and financial institutions have already developed strategies, and introduced new products and services, to promote financial inclusion in these untapped markets. The research group is international and multi-disciplinary. The authors are grateful to the Italian Ministry for University Research (MIUR) for financial assistance provided under the “PRIN 2003” programme. The volume has been produced thanks to support from the University of Valle d’Aosta – Université de la Vallée d’Aoste (Italy), which has an leading reputation for encouraging research on financial innovation aimed at marginalised groups.


Asset Building Banking Financial Exclusion Financial Inclusion Investment Low Income Consumers Low Income People Migrants Overindebtness

Editors and affiliations

  • Luisa Anderloni
    • 1
  • Maria Debora Braga
    • 2
  • Emanuele Maria Carluccio
    • 2
  1. 1.Milan State UniversityMilanItaly
  2. 2.University of Valle d’Aosta — Université de la Vallée D’AosteAostaItaly

Bibliographic information

  • DOI
  • Copyright Information Springer-Verlag Berlin Heidelberg 2007
  • Publisher Name Springer, Berlin, Heidelberg
  • eBook Packages Business and Economics
  • Print ISBN 978-3-540-46497-6
  • Online ISBN 978-3-540-46498-3
  • Buy this book on publisher's site