The report funded by the Friends Provident Foundation in 2008, provides the basis for the Financial inclusion programme, Financial Inclusion and Ethnicity brings together existing evidence to set out a clear and detailed picture of Black and minority ethnic people‚ experiences of financial exclusion and how these differ (or overlap) with White people‚ experiences. It discusses how financial exclusion often results from disadvantage in employment, education and housing. The report draws attention to the wider impacts of financial exclusion on people‚ lives, such as on people‚ ability to participate in society.

The report makes 24 recommendations for future research and policy action, arguing that financial inclusion policies need to be underpinned by a wider understanding of disadvantage and social justice, rather than by a narrow emphasis on helping people to use certain goods and services.

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