TY  - BOOK
AU  - Buckland,Jerry
TI  - Hard choices: financial exclusion, fringe banks, and poverty in urban Canada 
SN  - 9781442662612
AV  - HG2704 .H373 2012
PY  - 2012///
CY  - Toronto, Buffalo
PB  - University of Toronto Press
KW  - Discrimination in banking
KW  - Canada
KW  - Urban poor
KW  - Finance, Personal
KW  - Banks and banking
KW  - Poverty
KW  - Electronic Books
N1  - 2; Chapter 1. The Context of Financial Exclusion in Canada --; Chapter 2. Theories about Financial Exclusion --; Chapter 3. Choosing Banking Services When the Options Are Limited --; Chapter 4. The Business of Inner-City Banking --; Chapter 5. Working for Financial Inclusion; 2; b
N2  - "When low-income city dwellers lack access to mainstream banking services, many end up turning to 'fringe banks,' such as cheque-cashers and pawnshops, for some or all of their financial transactions. This predicament of 'financial exclusion' - faced by those underserved by conventional financial institutions - is comprehensively examined in Jerry Buckland's powerful study, Hard Choices; The first account of the nature and causes of financial exclusion in Canada, Hard Choices thoroughly integrates economic and social data on consumer choice, bank behaviour, and government policy. Buckland demonstrates why the current two-tier system of banking is becoming increasingly dysfunctional, especially in the context of new credit products that aggravate income inequality and stifle local economic growth. Featuring a foreword by esteemed economics scholar John P. Caskey, Hard Choices presents pragmatic policy improvements on both the public and private levels that can promote and build financial inclusion for all."--pub. desc
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ER  -