{"id":37823,"date":"2022-10-07T00:00:00","date_gmt":"2022-10-06T22:00:00","guid":{"rendered":"https:\/\/aebanca.es\/actualidad\/notas-de-prensa\/aeb-ceca-and-unacc-present-the-roadmap-of-measures-to-guarantee-total-financial-inclusion\/"},"modified":"2026-04-09T12:37:37","modified_gmt":"2026-04-09T10:37:37","slug":"aeb-ceca-and-unacc-present-the-roadmap-of-measures-to-guarantee-total-financial-inclusion","status":"publish","type":"notas-de-prensa","link":"https:\/\/aebanca.es\/en\/actualidad\/notas-de-prensa\/aeb-ceca-and-unacc-present-the-roadmap-of-measures-to-guarantee-total-financial-inclusion\/","title":{"rendered":"AEB, CECA and Unacc present the roadmap of measures to guarantee total financial inclusion"},"content":{"rendered":"<ul>\n<li>The banking sector agrees on a new framework of commitments regarding service in rural areas, with solutions in municipalities that do not have a face-to-face access point to financial services or have only one, with rigorous respect for competition rules.<\/li>\n<li>This new roadmap, prepared in coordination with the Ministry of Economic Affairs and Digital Transformation, also establishes mechanisms for monitoring commitments and updating information.<\/li>\n<\/ul>\n<p><strong> <\/strong>The Spanish Banking Association (AEB), CECA and the National Union of Credit Cooperatives (Unacc) today presented a roadmap to strengthen financial inclusion in rural areas, with the aim of ensuring an adequate provision of face-to-face financial services for 100% of Spanish territory. The agreement, presented this morning at the meeting with the First Vice-President of the Government and Minister for Economic Affairs and Digital Transformation, updates and reinforces the social and sustainable commitment of the banking sector. <\/p>\n<p>The proposed measures make progress in improving financial inclusion in the face of problems derived from depopulation, which are transversal in nature and affect large areas of the country. For this reason, it is proposed that the deployment of the planned actions be developed within a broad framework of public-private collaboration, under the same premises and objectives, to find the most efficient solutions to the heterogeneity of cases in rural Spain. <\/p>\n<p>In this sense, the financial sector is reinforcing financial inclusion in these areas and has worked in coordination with the Ministry of Economic Affairs and Digital Transformation to agree on a new framework of commitments with rural Spain that will be articulated with full respect for competition regulations and will be reported to the National Markets and Competition Commission. The objective is to ensure face-to-face access to financial services in all Spanish municipalities, prioritizing those that currently do not have any face-to-face access point or only have one. This roadmap makes it possible to achieve total financial inclusion by offering a physical access point to banking services in municipalities that have never previously had one.  <\/p>\n<p>Thus, in those municipalities where there is no face-to-face access point to financial services, a commitment is made to guarantee service through a bank branch, an ATM, a mobile office or a financial agent in municipalities with more than 500 inhabitants. Along with this, in municipalities with fewer than 500 inhabitants, <em>cashback<\/em> or <em>cash-in-shop<\/em> solutions are offered for cash withdrawals through state-of-the-art point-of-sale (POS) terminals, so that they can even increase their features in the medium term and provide access to a greater number of services. In addition, the service of rural postmen is offered through the Correos <em>Cash<\/em> service, under the terms of the collaboration agreement that AEB, CECA and Unacc signed with Correos on July 20, and to which seven entities have joined so far.  <\/p>\n<p>On the other hand, in the case of municipalities that have a single access point to financial services, entities will make their best effort to maintain them. If this is not possible, it will be transferred to the Financial Inclusion Observatory for incorporation into the annual diagnosis and the objectives developed in this roadmap.<br \/>\nThese actions will be complemented by the electronic and telephone banking services developed by financial entities to serve those customer segments that prefer digital applications, for which the three banking associations have been promoting the financial and digital skills of the entire population for years. <\/p>\n<p>Information regarding accessibility to financial services in Spanish municipalities is based on the &#8220;Report on financial inclusion in Spain&#8221;, prepared by the IVIE and presented by the banking associations in July of this year, which estimates the percentage of the population without access to a banking services point at 1.4%. Data corresponding to municipalities with more than 500 inhabitants without accessibility will be published as an Annex in the aforementioned report on financial inclusion, and the lists will be updated annually based on the data provided by the entities. <\/p>\n<p>To facilitate this update and monitoring work, the email inbox <a href=\"mailto:consultas@observatorioinclusionfinanciera.es\">consultas@observatorioinclusionfinanciera.es<\/a> is made available to local entities as of Monday, October 17, within the framework of the Financial Inclusion Observatory, so that they can request information, clarify doubts, formulate requests and communicate inaccuracies or necessary corrections to that list.<\/p>\n<p><a href=\"https:\/\/s1.aebanca.es\/wp-content\/uploads\/2022\/10\/hoja-de-ruta-para-reforzar-la-inclusin-financiera-en-las-zonas-rurales.pdf\">Download the roadmap to strengthen financial inclusion in rural areas<\/a><\/p>\n<p><a href=\"https:\/\/s2.aebanca.es\/wp-content\/uploads\/2022\/10\/aeb-ceca-y-unacc-presentan-la-hoja-de-ruta-de-medidas-para-garantizar-la-inclusin-financiera-total-1.pdf\">Download the press release<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Spanish Banking Association (AEB), CECA and the National Union of Credit Cooperatives (UNACC) today presented a roadmap to strengthen financial inclusion in rural areas, with the aim of ensuring an adequate provision of face-to-face financial services for 100% of Spanish territory. The agreement, presented this morning at the meeting with the First Vice-President of the Government and Minister for Economic Affairs and Digital Transformation, updates and reinforces the social and sustainable commitment of the banking sector. <\/p>\n","protected":false},"featured_media":37827,"parent":0,"template":"","etiquetas-prensa":[847],"class_list":["post-37823","notas-de-prensa","type-notas-de-prensa","status-publish","has-post-thumbnail","hentry","etiquetas-prensa-senior-citizens"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>AEB, CECA and Unacc present the roadmap of measures to guarantee total financial inclusion - Asociaci\u00f3n Espa\u00f1ola de Banca<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aebanca.es\/en\/actualidad\/notas-de-prensa\/aeb-ceca-and-unacc-present-the-roadmap-of-measures-to-guarantee-total-financial-inclusion\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"AEB, CECA and Unacc present the roadmap of measures to guarantee total financial inclusion - Asociaci\u00f3n Espa\u00f1ola de Banca\" \/>\n<meta property=\"og:description\" content=\"The Spanish Banking Association (AEB), CECA and the National Union of Credit Cooperatives (UNACC) today presented a roadmap to strengthen financial inclusion in rural areas, with the aim of ensuring an adequate provision of face-to-face financial services for 100% of Spanish territory. The agreement, presented this morning at the meeting with the First Vice-President of the Government and Minister for Economic Affairs and Digital Transformation, updates and reinforces the social and sustainable commitment of the banking sector.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/aebanca.es\/en\/actualidad\/notas-de-prensa\/aeb-ceca-and-unacc-present-the-roadmap-of-measures-to-guarantee-total-financial-inclusion\/\" \/>\n<meta property=\"og:site_name\" content=\"Asociaci\u00f3n Espa\u00f1ola de Banca\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-09T10:37:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/aebanca.es\/wp-content\/uploads\/2026\/01\/foto-firma-protocolo.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@aebanca\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/notas-de-prensa\\\/aeb-ceca-and-unacc-present-the-roadmap-of-measures-to-guarantee-total-financial-inclusion\\\/\",\"url\":\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/notas-de-prensa\\\/aeb-ceca-and-unacc-present-the-roadmap-of-measures-to-guarantee-total-financial-inclusion\\\/\",\"name\":\"AEB, CECA and Unacc present the roadmap of measures to guarantee total financial inclusion - 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