Policy portal Retail & Inclusion

Access to financial services for individuals is a prerequisite for social inclusion, a decent standard of living during working and retirement age and protection in case of unexpected life events. Unaffordable offers and discriminatory practices are some of the barriers preventing many citizens from accessing the basic financial services needed to participate in modern life.

EU policymakers have a responsibility to remove these barriers and make the retail financial services market safe and fair. Rules are also needed to help citizens avoid over-indebtedness and offer a way out for those who find themselves in this difficult situation. And all of this must extend to the digital world (See also “digitalisation” under “Digital Finance“).

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10 PUBLICATIONS

Report

A Wrinkle in the Process: Financial Inclusion Barriers in an Ageing Europe – Report

A groundbreaking look at vulnerability among older people in the European Union and the barriers they face that limit their access to basic, mainstream-market financial services and products appropriate to their needs in their communities.
Report

Report “Basic Financial Services”

Finance Watch released a report which identifies a shortlist of basic financial products and services that should be made available to all European citizens to help combat financial and social exclusion.
Consultation response

Feedback on the Roadmap for a Money Laundering and Terrorism Financing Action Plan

Feedback on the Roadmap for a Money Laundering and Terrorism Financing Action Plan
Report

Financial Exclusion: Making the invisible visible

Brussels, 3 March 2020 – Finance Watch released a report on the increasing range of people in the EU encountering difficulties in accessing financial services. Financialisation and technological developments are part of the reason for this increase but, importantly, it is also due to the rise of EU workers living in poverty since the financial crisis.
Financial Exclusion: Making the invisible visible
Policy brief

Towards inclusive, safe and sustainable financial services for consumers

On 8 April 2019, Finance Watch published its blueprint on retail financial services with an assessment of the current market failures and key priorities for the next European Commission.
Towards inclusive, safe and sustainable financial services for consumers
Position paper

Social innovation and mutual learning on micro-saving in Europe. Country report – France

Impact assessment report on the programme implemented in France Country report [This page was originally published on www.fininc.eu. To learn more about the transfer of EFIN’s activities to Finance Watch, read our press release].
Social innovation and mutual learning on micro-saving in Europe. Country report – France
Position paper

Social innovation and mutual learning on micro-saving in Europe – Global assessment report

[This page was originally published on www.fininc.eu. To learn more about the transfer of EFIN’s activities to Finance Watch, read our press release].
Social innovation and mutual learning on micro-saving in Europe – Global assessment report
Position paper

Financial inclusion and new means of payment

Qualitative review in five European countries – May 2013: Study commissioned by EUFFI, the European Foundation for Financial Inclusion.
Financial inclusion and new means of payment
Position paper

Social Innovation & Mutual learning on Micro-savings in Europe: synthesis.

[This page was originally published on www.fininc.eu. To learn more about the transfer of EFIN’s activities to Finance Watch, read our press release]  
Social Innovation & Mutual learning on Micro-savings in Europe: synthesis.
Consultation response

Consultation on bank account

Consultation on bank account

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