Financial Exclusion in the UK

2005 ◽  
pp. 14-44
Author(s):  
Santiago Carbó ◽  
Edward P. M. Gardener ◽  
Philip Molyneux
Keyword(s):  
Financial Exclusion ◽  
The Uk

scholarly journals Banking on exclusion: Data disclosure and geographies of UK personal lending markets

2017 ◽  
Vol 49 (9) ◽  
pp. 2046-2064 ◽  
Author(s):  
N Henry ◽  
J Pollard ◽  
P Sissons ◽  
J Ferreira ◽  
M Coombes
Keyword(s):  
Great Britain ◽  
Local Level ◽  
Open Data ◽  
Advocacy Groups ◽  
Access To Finance ◽  
Policy Makers ◽  
Access To Credit ◽  
Financial Exclusion ◽  
The Uk ◽  
The Relationship

In 2013, the UK Government announced that seven of the nation’s largest banks had agreed to publish their lending data at the local level across Great Britain. The release of such area based lending data has been welcomed by advocacy groups and policy makers keen to better understand and remedy geographies of financial exclusion. This paper makes three contributions to debates about financial exclusion. First, it provides the first exploratory spatial analysis of the personal lending data made available; it scrutinises the parameters and robustness of the dataset and evaluates the extent to which the data increase transparency in UK personal lending markets. Second, it uses the data to provide a geographical overview of patterns of personal lending across Great Britain. Third, it uses this analysis to revisit the analytical and political limitations of ‘open data’ in addressing the relationship between access to finance and economic marginalisation. Although a binary policy imaginary of ‘inclusion-exclusion’ has historically driven advocacy for data disclosure, recent literatures on financial exclusion generate the need for more complex and variegated understandings of economic marginalisation. The paper questions the relationship between transparency and data disclosure, the policy push for financial inclusion, and patterns of indebtedness and economic marginalisation in a world where ‘fringe finance’ has become mainstream. Drawing on these literatures, this analysis suggests that data disclosure, and the transparency it affords, is a necessary but not sufficient tool in understanding the distributional implications of variegated access to credit.

A Detailed Study of Financial Exclusion in the UK

2005 ◽  
Vol 28 (1) ◽  
pp. 75-108 ◽  
Author(s):  
James F. Devlin
Keyword(s):  
Financial Exclusion ◽  
The Uk

Tackling Financial Exclusion in the UK

2005 ◽  
pp. 45-81 ◽  
Author(s):  
Santiago Carbó ◽  
Edward P. M. Gardener ◽  
Philip Molyneux
Keyword(s):  
Financial Exclusion ◽  
The Uk

scholarly journals The UK’s Government and Regulatory Policy Responses to Fintech

2021 ◽  
Vol 65 (2) ◽  
pp. 45-52
Author(s):  
I. Podkolzina
Keyword(s):  
Financial Services ◽  
Financial Stability ◽  
Barriers To Entry ◽  
Services Sector ◽  
Regulatory Authorities ◽  
Trade Offs ◽  
Financial Exclusion ◽  
Systemic Risks ◽  
Leading Position ◽  
The Uk

The financial landscape is being transformed by technological innovations. This trend can be observed clearly in the UK where fintech is developing within the context of the ongoing digitalization of the economy. This paper examines the role of the British government and regulatory authorities in sparking innovation to improve the way financial services are provided. At the conceptual level, fintech-specific policy presumes the existence of complex trade-offs between competition, market integrity, and financial stability. The special consideration is given to Open Banking initiative as a key driver of competition in financial services sector. By removing barriers to entry and grow for fintech firms the policy enablers try to solve the longstanding problems of financial exclusion. Particular attention is paid to key approaches to fintech regulation. The Financial Conduct Authority undertakes the constant review of regulatory perimeter as a means of mitigating risks to market integrity and ensuring consumer protection. The Bank of England is rethinking the notion of financial stability and reviewing the approaches to managing systemic risks. The paper regards the initiatives implemented by regulatory authorities to support innovator businesses as a way to ensure the world leading position of the UK’s financial sector. It is argued that the supportive government policy and progressive regulation are the overriding factors of fintech development in the UK.

The diagnosis and management of factor VIII and IX inhibitors: a guideline from the UK Haemophilia Centre Doctors' Organization (UKHCDO)

2000 ◽  
Vol 111 (1) ◽  
pp. 78-90 ◽  
Author(s):  
C. R. M. Hay ◽  
T. P. Baglin ◽  
P. W. Collins ◽  
F. G. H. Hill ◽  
D. M. Keeling
Keyword(s):  
Factor Viii ◽  
Diagnosis And Management ◽  
Viii And Ix ◽  
The Uk

1476: Prostate Cancer Detection in Men Aged 45-49 Years in the UK Protect (Prostate Testing for Cancer and Treatment) Trial

2006 ◽  
Vol 175 (4S) ◽  
pp. 476-477
Author(s):  
Freddie C. Hamdy ◽  
Joanne Howson ◽  
Athene Lane ◽  
Jenny L. Donovan ◽  
David E. Neal
Keyword(s):  
Prostate Cancer ◽  
Cancer Detection ◽  
Treatment Trial ◽  
Prostate Cancer Detection ◽  
The Uk

653: The Protect (Prostate Testing for Cancer and Treatment) Study: Evaluating Screening and Treatment of Clinically Localised Prostate Cancer in the UK

2006 ◽  
Vol 175 (4S) ◽  
pp. 210-210
Author(s):  
◽  
Freddie C. Hamdy ◽  
Athene Lane ◽  
David E. Neal ◽  
Malcolm Mason ◽  
...  
Keyword(s):  
Prostate Cancer ◽  
The Uk

597 Can we use BNP and NTproBNP to rule out heart failure in clinical practice? Results of the UK natriuretic peptide study

2003 ◽  
Vol 2 (1) ◽  
pp. 131
Author(s):  
A ZAPHIRIOU ◽  
S ROBB ◽  
G MENDEZ ◽  
T MURRAYTHOMAS ◽  
S HARDMAN ◽  
...  
Keyword(s):  
Heart Failure ◽  
Clinical Practice ◽  
Natriuretic Peptide ◽  
The Uk ◽  
Rule Out
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