1 Methodological presentation 3 1.1 Geographic coverage and expert partners 3 1.2 Data gathering 3 1.3 Finalised indicators 4 2 Key learnings - Access to bank accounts 5 2.1 Level of access to bank accounts for people who want it 5 2.1.1 Level of use: first stage to measure the banking level of penetration 5 2.1.2 Level of exclusion: lack of comparable European data - only some comments were collected 5 2.2 Supply side elements that can impact financial inclusion 6 2.2.1 Structure of the banking market 6 2.2.2 Type of information collected 7 2.2.3 Level of concentration and competition 7 2.2.4 Geographic coverage by type of supplier (by agencies and ATM) 7 2.2.5 Type of collected information 7 2.3 Identified reasons why people do not use bank accounts 8 2.5 Potential capacity to live a normal life without a bank account 9 2.6 Bank account relative accessibility 9 2.7 Conclusions/recommendations relating to the access to and the use of a bank account 12 3 Key learnings - Access to credit 14 3.1 Elements that impact credit access 14 3.2 Opportunities to find credit with lower interest rate and/or better terms and conditions than mainstream commercial profit-oriented products 15 3.3 Regulation elements that impact adequate credit supply 15 3.4 Credit and debts database context 17 3.5 Conclusions/recommendations relating to the access and the use of credits 18