Using evidence from Spain, this study assesses the readiness of banking sector EU to introduce technological and social innovations implement European policy financial inclusivity. Despite evident benefits for banks in terms enhancing legitimacy improving consumer knowledge loyalty, mostly at present merely comply with formal aspects inclusion regulation, but are not going further technical or ...

In a rapidly digitizing country, Digital Financial Services (DFS) hold the promise of bringing financial inclusion to last mile. Through use DFS, vulnerable and marginalized groups can reduce risk cost using cash, increase their access suite services that would have been otherwise unavailable, or difficult obtain, such as credit, savings, insurance, pension. This paper provides an overview poli...

With intensifying competition in the financial system, new strategic applications are constantly being devised search for greater efficiency. In consequence, decisions commonly based on locating and retaining market segments with high added value, those which fail to supply profitability required by “excluded”. The aim of this study is analyse research advances made field inclusion main lines i...