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The relationship between vulnerable financial consumers and banking institutions. A qualitative study in Spain

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dc.contributor.authorFernández Olit, Beatriz
dc.contributor.authorCuesta González, Marta María de la
dc.contributor.authorParedes Gázquez, Juan Diego
dc.contributor.authorRuza Paz-Curbera, Cristina
dc.date.accessioned2024-05-20T11:23:38Z
dc.date.available2024-05-20T11:23:38Z
dc.date.issued2021-01-05
dc.description.abstractThe financial exclusion phenomenon has been approached from different perspectives. After reviewing the recent literature, we adopt a financial ecology approach and propose a comprehensive framework to analyse the different types of difficulties (access, use and perception) that vulnerable financial consumers face in relationships with banking institutions as well as their underlying causes. We consider financial inclusion as the sustainable provision of financial services and products and an adjustment to individual needs. We examine a special group of urban vulnerable consumers: underbanked people facing poverty and social exclusion. Data were obtained from focus groups and were coded and analysed using qualitative data analysis software. The results show that use difficulties predominate, followed by perception difficulties. Bank pressure and lack of financial training stood out among the main causes of these financial difficulties. We conclude that poorer neighbourhoods constitute a distinctive financial ecology produced by the ‘discrimination’ of a significant number of their inhabitants in the use of mainstream financial services. The study provides evidence of the socio-spatial nature of the exclusion process and calls for further research on the role of policy responses to restrict abusive practices.en
dc.description.versionversión final
dc.identifier.doihttps://doi.org/10.1016/j.geoforum.2021.01.006
dc.identifier.urihttps://hdl.handle.net/20.500.14468/11880
dc.journal.titleGeoforum
dc.journal.volume119
dc.language.isoen
dc.publisherElsevier
dc.relation.centerFacultad de Ciencias Económicas y Empresariales
dc.relation.departmentEconomía Aplicada
dc.rightsAtribución-NoComercial-SinDerivadas 4.0 Internacional
dc.rightsinfo:eu-repo/semantics/openAccess
dc.rights.urihttp://creativecommons.org/licenses/by-nc-nd/4.0
dc.subject.keywordsfinancial exclusion
dc.subject.keywordsfinancial ecology
dc.subject.keywordsvulnerable consumer
dc.subject.keywordsfinancialization
dc.subject.keywordsdiscourse analysis
dc.subject.keywordspoverty
dc.subject.keywordsfinancial capability
dc.titleThe relationship between vulnerable financial consumers and banking institutions. A qualitative study in Spaines
dc.typeartículoes
dc.typejournal articleen
dspace.entity.typePublication
relation.isAuthorOfPublication66549a85-3284-4b84-993e-46572705bb8c
relation.isAuthorOfPublication94c5d4ac-b90e-4a4b-bf43-7638d30828f2
relation.isAuthorOfPublication95ac2766-384f-48fe-8330-99ae31120652
relation.isAuthorOfPublication.latestForDiscovery66549a85-3284-4b84-993e-46572705bb8c
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