The 3rd edition of the Assises de la Banque Citoyenne took place on April 17, 2019 in Paris, in the presence of Rémy Weber, Chairman of the Management Board of La Banque Postale & numerous partners from the non-profit and private sectors.
A national program in favor of social, digital and banking inclusion is being rolled out in 300 post offices in 2019, enabling the identification of people struggling with digital tools and tailored support for their needs, both in the branches and outside through the network of partner associations.
Social Inclusion and Cohesion
- Banking Accessibility and Digital Exclusion: Two Realities Experienced at the Post Office
- Financially Modest and Vulnerable Customers: How to Support Them
La Banque Postale is the only bank entrusted with a banking accessibility mission. This public service mission allows every resident, including the most disadvantaged, to domicile their social benefits, receive bank checks and withdraw cash from ATMs or at post office counters. The banking accessibility mission is thus fulfilled through the Livret A savings account.
La Banque Postale is therefore obligated to open a Livret A “for any person who requests it”; to accept its opening from 1.50 euros (compared with 10 euros at other banks) and to allow deposits and withdrawals starting from that same amount. Finally, it allows holders to domicile certain deposit and direct debit transactions. Through the use made of it by more than 2 million customers, La Banque Postale’s Livret A represents, for these precarious or excluded customers, the only pre-banking solution available in France.
Digital Inclusion, a Societal Issue:
La Banque Postale is the only bank in France to carry a public service mission of banking accessibility. Today, in an increasingly digital world where customer habits are changing, the fight against banking exclusion is now linked to digital inclusion. Digital exclusion is indeed a mass phenomenon affecting more than 5 million citizens who face both social and digital precariousness. While digital technology should be a lever for inclusion, it has become a factor of exclusion for millions of people. The French and Digital Technology.
On average, one third of French people feel they have little or no competence in using a computer, that is 18 million of our fellow citizens: 40% among people with low incomes, 74% among those with no diploma, and still 17% among the youngest (under 18).
More than half of the French (52%) say they do not take full advantage of the opportunities offered by new technologies in their everyday lives. Equal access to online administrative procedures remains a challenge, with 90% of university graduates or those aged 25-39 using online government services, but only 59% of low-income people and 30% of those without diplomas.
Green Finance
- Development of SRI in France: Where Do We Stand?
- How Can We Promote Energy Renovation of Housing?
