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Special Issue of International Journal of Bank Marketing on Financial Exclusion

Guest Editor: Prof. Paul Sergius Koku, Florida Atlantic University, USA

Submission Deadline: April 15, 2014

Financial exclusion represents circumstances where an individual is prevented from obtaining access to critical financial products such as bank accounts, credit and insurance services. Exclusion occurs due to a range of reasons, ranging from lack of legal documentation, inability to afford financial services, to a sense of distrust in financial institutions preventing individuals form a desire to transact with a financial services provider. Estimates of the percentage of the population who are financially excluded vary across the globe, with figures in the 5 to 10% range for most Western economies, and significantly higher numbers for developing countries. Financial exclusion has both social and business implications. From a social perspective, it denies individuals access to critically needed services needed for transaction processing, risk management and access to credit to secure critical life-changing assets. From a business perspective, financial exclusion limits the growth potential of financial institutions by preventing them from providing services to this unique segment of the population. At a time of stagnation in financial services markets, the financially excluded population provides an avenue of growth for financial services providers around the world. The objective of this special issue of the International Journal of Bank Marketing is to disseminate emerging research related to financial exclusion.

Example of topics of interest include:

• What marketing activities can financial services providers undertake to increase their reach to the financially excluded population?
• What are the various segments of financially excluded customers?
• What decision variables prevent unbanked individuals from opening bank accounts?
• How has financial exclusion been affected by the financial crisis?
• What role should governmental organizations have in reducing financial exclusion?
• The operations and scope of the traditional financial institutions and financial exclusion
• Lack of formal education and financial exclusion
• The problems of financial illiteracy and financial exclusion
• Do current public policies contribute to financial exclusion?
• -Is there room for public-private partnership in reducing financial exclusion?

Submission Guidelines

Manuscripts will be reviewed through a double-blind review process. Submission should be made through ManuscriptCentral to the Special Issue, by April 15, 2014.

For additional information please contact Dr. Paul Sergius Koku (International Journal of Bank Marketing special issue guest editor) at koku@fau.edu.

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