Jerry Bucklandhttps://hdl.handle.net/10680/19052024-03-19T11:54:23Z2024-03-19T11:54:23ZPassing the Buck? Examining Canadian Banks Approaches to Financial ExclusionBuckland, Jerryhttps://hdl.handle.net/10680/4112019-06-27T08:56:32Z2012-02-14T00:00:00ZPassing the Buck? Examining Canadian Banks Approaches to Financial Exclusion
Buckland, Jerry
The purpose of this report is to examine what Canadian banks say they are doing to address
financial exclusion by identifying what banks understand about its causes,
consequences, and solutions. Relevant bank-related publications are reviewed and the results of a series of interviews with bankers are reported on.
Online resource: 37 pp.; Digital file.
2012-02-14T00:00:00ZHow Well Are Poor People Served by Canadian Banks? Testing Consumer Treatment Using Mystery ShoppingBuckland, JerryBrennan, MarilynFikkert, Antoniahttps://hdl.handle.net/10680/4102019-06-27T08:57:04Z2012-02-14T00:00:00ZHow Well Are Poor People Served by Canadian Banks? Testing Consumer Treatment Using Mystery Shopping
Buckland, Jerry; Brennan, Marilyn; Fikkert, Antonia
This study reports on results from a mystery shopping method that was designed to see how lowincome
people were treated by banks in a simple shopping event. Banks that were shopped
include mainstream and fringe banks. Mystery shopping was used as a research method to obtain quantitative and qualitative
insights on the behaviour of financial service staff toward low-income people.
55 pages. Appendices.
2012-02-14T00:00:00Z“There Are No Banks Here” Financial & Insurance Exclusion in Winnipeg’s North EndBuckland, JerryGuenther, BruceBoichev, GeorgiGeddie, HeatherMutch, Maryannehttps://hdl.handle.net/10680/3732019-06-27T09:12:10Z“There Are No Banks Here” Financial & Insurance Exclusion in Winnipeg’s North End
Buckland, Jerry; Guenther, Bruce; Boichev, Georgi; Geddie, Heather; Mutch, Maryanne
Financial exclusion is a matter of growing concern in Canada considering the decline in the number of mainstream bank branches in some inner-cities and the concurrent rise in the number of fringe banks. This study reports on results from a survey of residents from Winnipeg’s North End, a low-income area of the city. The study seeks to understand resident’s experiences with financial and insurance services: which ones they use, which ones are important to them and how accessible the services are. As a follow-up to research completed in 2002-2003 in the North End this survey asked questions about a greater number of services (banks, fringe banks, informal financial services and insurance services and financial support services) in a semi-random fashion to a broader range of respondents (low- and middle-income).
The Rise of the Fringe Financial Services in Winnipeg's North End: Client Experiences, Firm Legitimacy and Community-Based AlternativesBuckland, JerryMartin, ThibaultBarbour, NancyCurran, AmeliaMcDonald, Ranahttps://hdl.handle.net/10680/3282019-06-27T09:33:00ZThe Rise of the Fringe Financial Services in Winnipeg's North End: Client Experiences, Firm Legitimacy and Community-Based Alternatives
Buckland, Jerry; Martin, Thibault; Barbour, Nancy; Curran, Amelia; McDonald, Rana
This report documents research undertaken... to examine the rise of fringe financial services in Winnipeg's North End. Fringe financial services include a variety of financial services such as loans and cheque-cashing that are offered by fringe banks. Although fringe banks are becoming more common today they generally operate on the margin of the mainstream banking and credit union system in Canada.
Fringe banks include pawnshops, cheque-cashing firms, payday lenders, rent-to-own firms, tax refund advancers, finance companies and 'white-label' automatic teller machine providers. This report explores client experiences with fringe banks, it examines the issue of fringe bank legitimacy and it develops a model and provides a preliminary feasibility assessment of an alternative model to fringe banks for low- income people.