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Banking inclusion and overindebtedness prevention

COUR DES COMPTES

In France, the process of increasing access to banking services has been at work for some forty years and has made banking services an essential part of integrating individuals into society. Starting in the 1980s, the increased use of cheques and bank transfers for payments of wages and social security benefits made having a bank account essential to participate in economic and social life.
This drove the public authorities to take measures to improve access to a bank account and means of payment for customers considered by financial institutions to be the least profitable. These measures have grown since the end of the 1990s, reflecting the public authorities’ will to require the banking sector to help achieve an objective of social integration.

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