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وصف كتب مصر
How many people are using banking services in poor countries? What financial
services are used? And how could access to banking services be expanded to
include more people? Banking the Poor explores these questions, through
responses to questions in surveys undertaken in 54 countries, mostly in Africa.
Banking the Poor collects information from two sources: central banks and
leading commercial banks in each surveyed country. It explores associations
between countries banking policies and practices and their levels of financial
access, measured in terms of the numbers of bank account per thousand adults.
Its main findings are that the surest way to increased access is job growth
which leads to more income. However, it also finds that more complexity and
costs such as monthly fees are linked to lower access. Access is not enhanced
by loading up accounts with features that enhance convenience such as overdraft
provision. Instead these features appeal to people who are already banked. Even
mobile banking in its current form is primarily aimed at existing clients. On
the other hand, availability of a basic no-frills bank account with minimal
charges is linked to more access.