The book is devoted to a subject which deserves growing attention from policy makers, financial operators and academics. It is the issue of unbanking or underbanking in developed countries. With respect to this, the goal of the authors has been to devote more efforts to understanding the problem of financial exclusion in order to offer to low-moderate-income people new opportunities of accessing financial services (banking, credit and investment services).

I

Access to Bank Accounts and Payment Services
Access to Credit: the Difficulties of Households
Access to Investments and Asset Building for Low Income People
II
What Are the Specific Economic Gains from Improved Financial Inclusion? A Tentative Methodology for Estimating These Gains
From Financial Exclusion to Overindebtedness: the Paradox of Difficulties for People on Low Incomes?
The Role of German Savings Banks in Preventing Financial Exclusion
Economic Growth and the Financial Inclusion: the Case of Poland
Italian Banks' Credit Approach Towards Low-Income Consumers and Microenterprises: Is There a Bias Against Some Segments of Customers?
Banking the Poor: Policies to Bring Low- and Moderate-Income Households in the United States into the Financial Mainstream
Migrants and Remittances
Conclusions.