A person with disabilities on the market of banking services

Abstract

The main purpose of the reflections offered in the article is to present the actions taken by banks to prevent financial and banking exclusion of persons with disabilities. This work describes and characterizes various types of disabilities depending on the limitations they impose in the relationship between a customer with a disability and the bank. Numerous improvements introduced by banks are presented and discussed, both those that must be implemented, i.e. dictated by legislative requirements, and those undertaken on banks’ initiative. This study also discusses guidelines and recommendations of the Polish Banks Association, the application of which is aimed at eliminating restrictions to free access of customers with special needs (here: disabilities) to banks’ product offer or information about it. Achieving the set goal required the following research methods: scientific observation based on a review of available legal acts, literature, studies and source materials from the financial market, along with their analysis and conclusions.

Keywords

• persons with disabilities
• financial exclusion
• bank