New frontiers in banking services: emerging needs and by Luisa Anderloni, Maria Debora Braga, Emanuele Maria

By Luisa Anderloni, Maria Debora Braga, Emanuele Maria Carluccio

The publication is dedicated to an issue which merits growing to be cognizance from coverage makers, monetary operators and lecturers. it's the factor of unbanking or underbanking in built countries.

With admire to this, the aim of the authors has been that of highlighting either in a theoretic framework and during the learn of the most studies investigated on box, the need/the chance for banks, monetary associations, public specialists and non for revenue institutions to dedicate extra efforts in figuring out the matter of economic exclusion that allows you to supply to low-moderate-income humans (LMI humans) new possibilities of gaining access to monetary providers (banking, credits and funding services).

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Only overriding community interest could justify the placing of constraints on this. An investigation conducted by the Commission on services of general economic interest in the banking sector revealed that a certain number of Member States consider that a number of credit institutions fulfil specific tasks that constitute SGEI. The main ones are: i) promotion of small and medium sized enterprises, ii) granting or guaranteeing of export credits, iii) social housing loans, iv) municipal financing, v) financing of infrastructure projects and vi) regional development.

55 Moreover it recognises their contribution to European competitiveness, as they serve specific purposes (protection of consumer interests, user safety, social cohesion and regional planning, sustainable development), reaffirms the importance of the principles of neutrality, freedom and proportionality, and underlines that the tasks performed by them should be carried out in such a way as to meet the legitimate expectations of consumers and citizens. In addition, it expresses a number of concerns related to the fact that application of internal market and competition rules should allow services of general economic interest to perform their task under conditions of legal certainty and economic viability which ensure - inter alia - the principle of equal treatment, quality and continuity of such services as well as the necessity of a regular assessment of the contribution made by services of general economic interest to economic growth and social well-being.

In addition, they are often involved in the governmental programs that facilitate subsidised mortgages. Their popularity and some characteristics of these institutions place them in a good position to face this challenge in countries like France, Spain and Germany. 83 Credit unions are widespread institutions in countries like the UK, Ireland and the US. They are mutual financial organisations that supply small scale savings and loans facilities to members, relying on common legally approved criteria.

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