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B2b Differences in Financial Inclusion By Disability Type
Key Words
Financial inclusion, people with disabilities, unbanked, alternative financial services, nonbank transaction products, FDIC 2019 FDIC Survey of Household Use of Banking and Financial Services
Short Description
The objective of this study is to ascertain the nature of economic exclusion for individuals with disabilities. Data from the 2019 FDIC Survey of Household Use of Banking and Financial Services is used to investigate the differences in measures of financial exclusion between people with different types of disabilities (e.g., physical, cognitive, psychological) and those without disabilities. Respondents with cognitive or multiple impairments are more likely to be unbanked, use nonbank transaction products, and use alternative financial services (AFS) than people without disabilities. Compared to respondents without disabilities, respondents with physical, cognitive, or multiple impairments are more likely to be discouraged from applying for credit and those with hearing or cognitive impairments are more likely to be denied or not given as much credit as requested. Further research is necessary to understand the reason for these differences, identify remedies to financial exclusions for those with different disabilities, and ultimately enhance their overall economic well-being.