Policy & regulation

Financial inclusion

Financial inclusion is about allowing citizens to access and use the financial services they need to live a normal life in the society.

To reach this, financial services should be safe and affordable, adapted to the needs of the whole range of people, including the most vulnerable one: unfortunately, the financial market is not effective to deliver such qualitative inclusion.

In Europe, access to simple and basic financial services in the field of payments, savings, insurance and credit should be accessible for a large majority of who can afford them.

For this reason, in this section, you will find information on the basic payment account, on responsible lending and creditworthiness assessment. You will also find information on risk of discrimination in credit or insurance access, consideration on toxic credits, over-indebtedness issues.

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