A Detailed Study of Financial Exclusion in the UK

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The latent demand for bank debt: characterizing “discouraged borrowers” (2012, background): “While factors such as income and employment status are likely to be the key determinants of exclusion (Devlin 2005), these, in turn, are unlikely to be evenly distributed across space.”
Financial exclusion and the geography of bank and building society branch closure in Britain (2008, background): “For example, in a review of the financial exclusion literature, Devlin (2005) goes so far as to argue that it ‘is apparent that the debate surrounding financial exclusion has moved on markedly from it initial focus on location-based exclusion’ (page 77).”