Ekskluzja finansowa – ujęcie empiryczne
Financial exclusion − empirical approach

Summary/Abstract: This article presents the perception of the factors determining the use of banking services in the opinion of consumers who do not use them and of the directors of bank branches. Bankers emphasize the lack of habit and the need to save money, the habit of keeping cash at home, hiding incomes and financial assets. In the opinion of consumers, what makes people wary and reluctant to use the banking services is the fact that it is difficult to access banks and that they are too expensive. As a result, customers avoid them. The research encompassed a sample of N = 1000 of people who did not use banks as well as N = 200 directors of bank branches.

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