A Detailed Study of Financial Exclusion in the UK

James Devlin ()

Journal of Consumer Policy, 2005, vol. 28, issue 1, 75-108

Abstract: The concept of financial exclusion has been the subject of increasing interest and debate and is characterised as a situation where a proportion of the population have limited access to mainstream financial services. Previous studies of financial exclusion in the UK have generally focused on a particular financial service, such as bank accounts, and have incorporated differing methods and models of investigation. Thus, comparing and contrasting significant influences on exclusion across a range of financial services proves problematic. The current study uses a common model to test and compare influences on exclusion for a wide range of financial services. Findings show that the most consistent and significant influences on financial exclusion are employment status, household income, and housing tenure, closely followed by marital status, age, and level of academic qualification. A more complex relationship with the remaining explanatory variables is apparent. Copyright Springer 2005

Date: 2005
References: View complete reference list from CitEc
Citations: View citations in EconPapers (32)

Downloads: (external link)
http://hdl.handle.net/10.1007/s10603-004-7313-y (text/html)
Access to full text is restricted to subscribers.

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:kap:jcopol:v:28:y:2005:i:1:p:75-108

Ordering information: This journal article can be ordered from
http://www.springer. ... es/journal/10603/PS2

DOI: 10.1007/s10603-004-7313-y

Access Statistics for this article

Journal of Consumer Policy is currently edited by Hans Micklitz, John Thøgersen, Lucia A. Reisch, Alan Mathios and Christian Twigg-Flesner

More articles in Journal of Consumer Policy from Springer
Bibliographic data for series maintained by Sonal Shukla () and Springer Nature Abstracting and Indexing ().