Rodríguez-Pose, A. and Sandu, A.  ORCID: https://orcid.org/0000-0001-8981-5182
2025.
Banking on trust: Institutional trust and the geography of financial exclusion in Central and Eastern Europe.
Environment and Planning A: Economy and Space
10.1177/0308518X251350433
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Abstract
In this paper we investigate what determines access to banking in Central and Eastern Europe (CEE). The research uses different waves of the OeNB Euro Survey – covering over 91,000 individuals during the period 2012–2020 – and pooled and multilevel logit models to analyse how the interplay of trust in institutions, socio-economic attributes and geographic contexts shapes access to bank accounts, savings deposits and loans across 10 CEE countries. The findings reveal significant disparities in banking inclusion across products: while institutional trust enhances access to current accounts and savings deposits, its impact on loans is weaker. Socio-economic factors and geographical contexts, particularly at the local NUTS3 level, also matter enormously for financial inclusion. National and local economic conditions are key in shaping variations in financial inclusion/exclusion across CEE.
| Item Type: | Article |
|---|---|
| Date Type: | Published Online |
| Status: | In Press |
| Schools: | Schools > Geography and Planning (GEOPL) |
| Publisher: | SAGE Publications |
| ISSN: | 1472-3409 |
| Date of First Compliant Deposit: | 4 July 2025 |
| Date of Acceptance: | 30 May 2025 |
| Last Modified: | 20 Aug 2025 09:14 |
| URI: | https://orca.cardiff.ac.uk/id/eprint/179548 |
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