{"id":38405,"date":"2022-08-31T00:00:00","date_gmt":"2022-08-30T22:00:00","guid":{"rendered":"https:\/\/aebanca.es\/actualidad\/te-interesa\/articulos\/reaching-everyone-2\/"},"modified":"2026-04-09T12:46:52","modified_gmt":"2026-04-09T10:46:52","slug":"reaching-everyone-2","status":"publish","type":"articulos","link":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/articulos\/reaching-everyone-2\/","title":{"rendered":"Reaching everyone"},"content":{"rendered":"

Financial inclusion is fundamental to economic development. A strong economy requires a solid and resilient financial sector, capable of meeting the needs of families and businesses. Banking penetration, understood as society’s use of banking products and services, is key to achieving a prosperous economy. However, banking penetration also refers to the multiple communication channels entities use with their clients, adapted to their specific needs. <\/p>\n

Spanish banks are proud of the high level of banking penetration in the Spanish economy. As an essential sector, it was key during the health crisis to safeguard the productive fabric and limit the negative impact of the crisis on households. In record time, they implemented measures in collaboration with the authorities that have served as a model for management in Europe. Over the last decade, banks have accompanied many of their clients through the digital revolution, which ensured the continued use of financial services during lockdown. They also kept their branches open\u2014one of the few sectors to do so\u2014thereby reinforcing their commitment to advancing financial accessibility. Everything functioned with relative normality thanks to the banks and the dedication of their employees. <\/p>\n

The banks’ commitment is to provide service to all their clients, both those requesting a new approach through remote channels and those who prefer in-person assistance. A good example was the rapid response given to the request from a portion of our elderly and people with disabilities for more personalized attention once the worst moments of the pandemic had passed. <\/p>\n

Despite the benefits of digitalization and its capacity to improve our quality of life, the leap triggered by the virus has been too great for some people. This is the case for some elderly individuals, who may encounter obstacles in various areas of their lives, as digitalization has extended to the provision of essential public services such as healthcare and public administration, as well as other essential services from private companies. It is desirable that the significant step taken by banks to adapt the pace of services to the adaptation rate of consumers be replicated in other sectors and in public administration. Digitalization should not exclude anyone; on the contrary, it should complement and improve the service to which it is applied. <\/p>\n

The World Bank declares its firm commitment to expanding financial inclusion through digitalization, although it is essential that each person can decide how they access basic financial services.<\/p>\n

A few weeks ago, the Spanish Banking Association (AEB), CECA, and the National Union of Credit Cooperatives (UNACC) presented the ‘Report on Financial Inclusion in Spain’, prepared by the Valencian Institute of Economic Research (Ivie). This in-depth analysis of banking services in Spain maps out access to financial services in the country, especially in rural areas. It notes that, despite the adjustment in Spain’s bank branch network in recent years\u2014concentrated in municipalities with more than 10,000 inhabitants\u2014accessibility to banking services remains good, with 98.6% of the population residing in a municipality where there is at least one access point to banking services. <\/p>\n

However, this is not enough. Banking associations, in view of the results of this report, the balance of financial inclusion measures already adopted, and their own vocation of service to society, are evaluating the implementation of new measures to further strengthen financial inclusion. <\/p>\n

One of these is the agreement reached with Correos to improve access to cash in rural areas. The public company provides the banking sector with its Correos Cash service to perform cash withdrawals and deposits at 4,675 service points and through 6,000 rural mail carriers at clients’ homes, thereby reaching 100% of rural municipalities. The goal is for all citizens, regardless of their place of residence, to have access to cash with the least possible travel. <\/p>\n

In the near future, there will be new measures aimed at strengthening financial inclusion in Spain. These measures may require public-private collaboration, which has yielded excellent results in the recent past. As the CNMC recommended in a recent report, “public measures to promote the installation of ATMs and other alternative cash access systems (regulations, public procurement procedures, and public aid) must be governed by the principles of efficient economic regulation and promote competition to achieve the best results.” Specifically, it advocates for systems such as cashback and cash in shop, which have high development potential and greater penetration in other countries. There are many existing possibilities to achieve the objective of continuing to provide the best service to society. <\/p>\n

Download article<\/a><\/p>\n

Jos\u00e9 Luis Mart\u00ednez Campuzano, S<\/strong>pokesperson for the Spanish Banking Association<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

The banks’ commitment is to provide service to all their clients, both those requesting a new approach through remote channels and those who prefer in-person assistance. 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