New Frontiers in Banking Services : Emerging Needs and Tailored Products for Untapped Markets

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.