Innovation in Financial Inclusion

Community Finance Solutions
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Innovation in Financial Inclusion

Hosted by Dr Pål Vik, senior researcher at Community Finance Solutions at the University of Salford Business School, Innovation in Financial Inclusion centres on radical, innovative interventions, policies and programmes to address financial exclusion, including financial literacy, affordable credit, savings and maximising income. Episodes will launch bi-weekly on a Wednesday and welcome high-profile names in the space to explore emerging and innovative financial inclusion policy and practice in the UK and beyond

  1. 12/11/2024

    S3, ep5 - how to build a more inclusive financial system in the UK

    I am joined by Theodora Hadjimichael from Responsible Finance and Kay Polley from the Finance Innovation Lab to discuss how policymakers and regulators can encourage the UK mainstream financial sector to play a greater role in promoting financial inclusion. We discuss policy tools to support the growth of regional financial institutions, requiring banks to provide services to financially vulnerable consumers, and compelling banks to provide greater support for community-based financial institutions.

    31 min

  2. 11/27/2024

    S3, Ep4 - how French policy encourages banks to support microfinance institutions

    Underpinned by government guarantees and regulation, French banks provide significant support for microfinance providers in the form of loans, equity, subsidies and staff secondments. In this episode, I am joined by Laure Coussirat Coustere, from leading French microfinance provider Adie, and Alexandre Nayme, from major microfinance investor BNP Paribas, to dissect the scale, impact and drivers of this support and what we can implement in a UK context.

    37 min

  3. 11/13/2024

    S3, Ep3 - how Germany’s regional banking system promotes access to finance

    The German model of regional banks has been credited with providing better local access to financial services, maybe especially for small businesses. German regulation compartmentalises the financial system enabling regional financial institutions to operate (and not be outcompeted by large international banks). In this episode, I explore how financial systems can preserve local banks and what this means for community access to finance with Dr Franz Flögel from the Institute for Work and Technology

    27 min

  4. 10/30/2024

    S3, Ep2 - how the Community Reinvestment Act supports US CDFIs

    With origins in the civil rights movement and evidence about redlining of communities of colour, the Community Reinvestment Act requires banks to serve low and moderate-income communities. As banks can fulfil their obligations under CRA by funding community-based lenders, the act has significantly increased bank funding of CDFIs. In this episode, I discuss the impact of the CRA on the CDFI sector and key lessons for the UK with Mark Pinsky (CDFI Friendly America), Joan Broadhead (Community First Fund) and Yanki Tshering (Accompany Capital)

    37 min

  5. 10/16/2024

    S3, Ep1 - Why banks should promote financial inclusion

    In many if not most Developed economies, mainstream financial institutions are expected to promote financial inclusion by serving vulnerable groups and supporting alternative community-based service provision. In this episode, I am joined by Prof Karl Dayson (University of Lincoln) to discuss societal expectations of banks and the roots of these expectations

    32 min

  6. 10/09/2024

    S3, trailer

    Trailer for the third series of the Innovation in Financial Inclusion podcast, in which I will be exploring how we can create a more inclusive financial system and what we can learn from other countries, such as the US, Germany and France.

    1 min

  7. 03/06/2024

    S2, Ep5 - Financial education - where next?

    In the final episode Pål takes stock of financial education in the UK and discusses what it might or should look like in the future. He is joined by Quentin Nason from City Pay it Forward.

    23 min

  8. 02/21/2024

    S2, Ep4 - Financial education in the community

    Pål talks about community-based financial education with Kate McQueen from the Money Charity and Toynbee Hall’s Matt Dronfield. The discussion covers content and delivery, key delivery partners and how to engage local residents.

    24 min
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About

Hosted by Dr Pål Vik, senior researcher at Community Finance Solutions at the University of Salford Business School, Innovation in Financial Inclusion centres on radical, innovative interventions, policies and programmes to address financial exclusion, including financial literacy, affordable credit, savings and maximising income. Episodes will launch bi-weekly on a Wednesday and welcome high-profile names in the space to explore emerging and innovative financial inclusion policy and practice in the UK and beyond

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