Financial Inclusion : Critique and Alternatives

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Rajiv Prabhakar brings together the typically exclusive views of supporters and critics to present a nuanced, critical analysis of 'financial inclusion'. Addressing issues including the 'poverty premium', financial capability and housing, this dialogue advances crucial public, ac...

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Detalles Bibliográficos
Autor principal: Prabhakar, Rajiv
Formato: Electrónico eBook
Idioma:Inglés
Publicado: Bristol : Policy Press, 2021.
Colección:Book collections on Project MUSE.
Temas:
Financial services industry > Social aspects.
Finance > Social aspects.
Electronic books.
Acceso en línea:Texto completo
Tabla de Contenidos:
  • Front Cover
  • Financial Inclusion: Critique and Alternatives
  • Copyright information
  • Dedication
  • Table of contents
  • Acknowledgments
  • Preface
  • 1 What is financial inclusion?
  • Introduction
  • Background
  • Financial Inclusion Policy Forum
  • Lack of dialogue between the literatures
  • What does financial inclusion mean?
  • Why is financial inclusion important?
  • Individual freedom
  • Self-exclusion
  • An example: reducing the unbanked
  • Financialisation
  • Subjects or agents?
  • Financialisation and neoliberalism
  • Structure of this book
  • 2 Financial capability: citizens or subjects?
  • Introduction
  • What is financial capability?
  • Financial capability and financial inclusion
  • The capability approach
  • Capability and freedom
  • The capability approach and poverty
  • Building financial capability
  • Behavioural nudges
  • An example: Save More Tomorrow
  • Do behavioural nudges undermine freedom?
  • Tensions between behavioural economics and activity
  • Conclusion
  • 3 Financial inclusion and saving
  • Introduction
  • Asset-based welfare
  • IDAs
  • Long-term saving: the CTF
  • Discussion
  • The Welsh government reforms
  • Progressive universalism
  • Constraints
  • Financial inclusion
  • Credit unions
  • Automatic enrolment into a workplace pension in the UK
  • Qualitative research
  • Results
  • Are people aware of AE?
  • Why do people not opt out?
  • Why do people opt out?
  • Discussion
  • Conclusion
  • 4 The case of housing
  • Introduction
  • Privatised Keynesianism
  • Asset-based welfare and housing
  • Developing a different model of housing
  • An example: millennial angst
  • Conclusion
  • 5 Alternatives
  • Introduction
  • Universal basic income
  • Basic income and basic capital
  • The financial system and basic income or basic capital
  • Universal basic services
  • A needs-based rationale for universal basic services
  • Combining universal basic services and universal basic income
  • The practicality of alternatives: the case of taxing wealth
  • Background
  • The tyranny of the status quo
  • The 2005 CT revaluation in Wales
  • Effects of the 2005 revaluation
  • Reaction to the 2005 revaluation
  • Failed CT revaluation in 2015
  • Discussion
  • Conclusion
  • 6 Conclusion
  • Introduction
  • What can critics learn from the supporters of financial inclusion?
  • The case of financial education in schools
  • Financial education in England
  • Financial education in Wales
  • Financial education in Scotland
  • Financial education in Northern Ireland
  • Creating investor-subjects?
  • Further areas of research
  • Financial technology
  • The responsible corporation
  • COVID-19 and future research
  • Conclusion
  • References
  • Index
  • Back Cover

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