الابتكار الشامل للجميع خيار استراتيجي للحد من الاستبعاد البنكي للعملاء

Abstract EN

This study aims to analyze the phenomenon of bank exclusion of customers by explaining the reasons and factors influencing the choice of banks to their customers and their forms.

Where customers are excluded from specific data, namely the financial wealth of the client and irregular income flows and the weak guarantees provided for loans.

Through the creation of innovative services based on the concepts of universal innovation that allows the participation of simple and marginalized groups in providing ideas and innovations that will improve their status.

The study found that a very large category is lost by the banks due to the considerations that it places in choosing its customers, which makes them lose large profits.

However, by providing simple services that are less expensive by adopting technology and the Internet as mobile services, Financial security of banks and customers.