Many people in the UK lack access to even the most basic financial services or are forced to rely on high-cost products which can prove damaging to their long term health.

The ‘poverty premium’, where the poor pay more, exacerbates financial exclusion and reinforces a vicious circle.

With many local bank branches disappearing and a growing emphasis on digital services, what can be done to tackle financial exclusion in rural places? Jessica Sellick investigates.

 "In March 2017, the House of Lords Select Committee on Financial Exclusion published its report on Tackling financial exclusion: a country that works for everyone?....

In April 2017, ATMIA (a non-profit trade association representing the global ATM industry), published ‘access to cash: the first step towards financial inclusion’....

For me, these reports illuminate two issues: firstly, the often uneven and unequitable access to financial product and services. Secondly, the scale, development and adoption of new payment technologies suggesting we are moving from a cash-carrying to a cash-less society.....

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