2026-10-14T15:41:00Z https://api.figshare.com/v2/oai

oai:figshare.com:article/33803419 2026-09-15T15:37:03Z portal_1197 item_type_3 month_year_09_2026

Exploratory spatial analysis of "access" to physical and digital retail banking channels in the UK Andra Sonea (7389800) Weisi Guo (498919) Stephen A. Jarvis (24733885) Mohamed Mahdi (665270) Banks and banking -- Great Britain Spatial analysis (Statistics) Retail trade -- Great Britain Migrated from ePrints The question of “access” to financial services in developed countries has generally been addressed as a matter of “financial exclusion” within the framework of economical and regional development. Typically, a small percentage of the population falls in the “financially excluded” category. It was often considered that this exclusion stems from various forms of self-exclusion, or from an inaccessibility to more complex products due to price or banks’ risk assessments. But perhaps another reason for this exclusion may be more straightforward. In this study, we take a look at the phenomenon of “geographical exclusion” as a growing phenomenon in the developed world. Kempson, Whyley, Caskey, & Collard (2000) and Beck & de la Torre (2006) defined the “geographic exclusion” component of the financial exclusion as “the absence of bank branches or delivery points”. Nowadays, this definition needs to be extended with the digital delivery of financial services. After all, digital banking also has a geographical component: accessing digital banking depends on the availability and quality of fixed and mobile broadband in the area. Furthermore, just like assessing access to public transportation, green spaces or supermarkets, “access” to financial service channels gives us additional information about the quality of life of the communities living in a certain area. An individual could experience the access to physical or digital banking channels very differently, depending on his place of residence or socio-economic characteristics.<br><br>Data record consists of 5 raw data files in various formats. File built in order to explore access to banking channels in the UK. 2019-09-16T00:00:00Z Dataset Dataset 10.82444/warw.33803419.v1 https://figshare.com/articles/dataset/Exploratory_spatial_analysis_of_access_to_physical_and_digital_retail_banking_channels_in_the_UK/33803419 CC BY 4.0