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Migrants and their moneySurviving financial exclusion$
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Kavita Datta

Print publication date: 2012

Print ISBN-13: 9781847428431

Published to Policy Press Scholarship Online: January 2013

DOI: 10.1332/policypress/9781847428431.001.0001

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Strategising for banking inclusion

Strategising for banking inclusion

Chapter:
(p.89) Four Strategising for banking inclusion
Source:
Migrants and their money
Author(s):

Kavita Datta

Publisher:
Policy Press
DOI:10.1332/policypress/9781847428431.003.0004

Chapter Four specifically focuses upon banking services which are broadly recognised as a gateway to financial inclusion. Drawing upon broader debates relating to coping strategies and assets frameworks, the chapter highlights the diverse financial strategies which migrants deploy in order to engender banking inclusion in London. These strategies are shaped by the local and transnational financial, social and civic assets which migrant men and women are able to operationalise. The chapter highlights the legal and illegal nature of migrants' financial practices with the latter including the sharing of identities and the purchase of bank accounts. Finally, the chapter considers the fragility of some of these strategies such that far from engendering financial inclusion, they further erode migrants' assets.

Keywords:   Financial strategies, Access to banking services, Banking inclusion, Local assets, Transnational assets, Social capital, Coping strategies

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