Financial Inclusion-Exclusion Paradox: How Banked Adults become Unbanked Again

Abstract This paper analyses how financially included adults might become unbanked again. Agents of financial inclusion incorporate economic and social constraints in the delivery formal services. These limit ability poor banked to use basic services fullest. The affect agents positively customers negatively up a point where marginal benefit being is negative for customers. When using becomes negative, affected may discontinue their accounts or exit sector when they can no longer bear effect that hinder enjoy