Linked e-resources
Details
Table of Contents
Intro
Table of Figures
Table of Legal and Policy Tools
List of Acronyms
ABOUT THE AUTHOR
ACKNOWLEDGMENTS
PREFACE
INTRODUCTION
PART I
WHY WE NEED A RIGHT TO BANK?
CHAPTER 1 A right to bank cannot be inferred but it can be justified
Introduction
1. The right to wellbeing
2. The right to freely dispose of own wealth
3. The right to property
4. The entitlement to a social and economic order that support economic rights' realization
Concluding remarks
CHAPTER 2 A right to bank is urged
Introduction
1. Introducing strategic foresight as method
2. Applying strategic foresight to the banking sector
2.1 Banking sector's major forces and trends
2.1.1 Between 2023 and 2025
2.1.2 Between 2025 and 2030
2.1.3 Between 2030 and 2050
2.2 Ecological major forces and trends
2.2.1 Between 2023 and 2025
2.2.2 Between 2025 and 2030
2.2.3 Between 2030 and 2050
2.3 Technological major forces and trends
2.3.1 Between 2023 and 2030
2.3.2 Between 2025 and 2030
2.3.3 Between 2030 and 2050
2.4 Lifestyle major forces and trends
2.4.1 Between 2023 and 2030
2.4.2 Between 2025 and 2030
2.4.3 Between 2030 and 2050
2.5 Economic major forces and trends
2.5.1 Between 2023 and 2025
2.5.2 Between 2025 and 2030
2.5.3 Between 2030 and 2050
2.6 Social major forces and trends
2.6.1 Between 2023 and 2025
2.6.2 Between 2025 and 2030
2.6.3 Between 2030 and 2050
2.7 The BE(a)TLES analysis in the VUCA context
3. The right to bank as a game changer
3.1 What can banks do in order to act as a force for good?
3.1.1 Banking sector changes and consequences
3.1.2 Ecological changes and consequences
3.1.3 Technological changes and consequences
3.1.4 Lifestyle changes and consequences
3.1.5 Economic changes and consequences.
3.1.6 Social changes and consequences
3.2 In which terms the right to bank can act as game changer?
3.2.1 Direct ways in which the right to bank can act as a game changer
3.2.2 Indirect ways in which the right to bank can act as a game changer
3.2.3 Wider implications liked to the adoption of a right to bank
Concluding remarks
PART II
WHAT IS A RIGHT TO BANK ABOUT?
CHAPTER 3 The right to access the banking system
Introduction
1. The underlying issue that the new right aims to address
1.1 The issue of financial inclusion
1.1.1 Access to the banking system: still a privilege, not a right.
1.1.2 Getting access to the banking system as a step, not a milestone.
1.1.3 Mobile banking as a tool, not as the solution.
1.1.4 Voluntary financial exclusion occurs due to lack of trust towards banks.
1.2 The implications of financial exclusion
1.2.1 For banking institutions
1.2.2 For States
1.2.3. For people unbanked or experiencing financial exclusion
2. Gaps in the existing legal framework
2.1 The international context
2.2 The EU context: the right to a basic account
3. Framing the right to access the banking system
4. Applying the right to bank: just law or a real shift?
Concluding remarks
CHAPTER 4 The right to be respected as bank customer
Introduction
1. The underlying issues that the new right aims to address
1.1.1 De-banking
1.1.2 Restrictions on withdrawing money
1.1.3 Mortgages and loans: abusive practices in lending
1.1.4 Investment products: from misselling to greenwashing
1.2 The implications of lack of respect towards bank customers
1.2.1 For banks
1.2.2 For States
1.2.3 For individuals experiencing lack of respect
2. Gaps in the existing legal framework
2.1 The international legal framework
2.2 The EU legal framework: MIFID II.
3. Framing the right to be respected as bank customer
4. Applying the right to be respected as bank customer
Concluding remarks
CHAPTER 5 The right to trust the banking system
Introduction
1. The underlying issues that the new right aims to address
1.1 Banks' failure to recognize their public interest duties
1.2 The banking system fosters income inequality
1.3 Banks' shortcomings in improving culture and leadership models
2. Gaps in the existing international legal framework
2.1 CSR as outdated framework
2.2 Challenges linked to banks' adherence to the UNEP FI framework
3. Framing the right to trust the banking system
3.1 The right to trust the banking system
3.2 The Principles of Banking Social Responsibility
3.2.1 BSR Principle 1 / Peace, arms divestment
3.2.2 BSR Principle 2 / Fossil fuels divestment
3.2.3 BSR Principle 3 / Transparency
3.2.4 BSR Principle 4 / Finance the real economy
3.2.5 BSR Principle 5 / A vision beyond growth
3.2.6 BSR Principle 6 / Respect of human rights
3.2.7 BSR Principle 7 / Respect for bank clients
3.2.8 BSR Principle 8 / Fair remuneration
3.2.9 BSR Principle 9 / Assess third parties' impact
3.2.10 BSR Principle 10 / Global cooperation
4. Applying Banking Social Responsibility
4.1 For banks
4.2 For States
4.3 For individuals
Concluding remarks
CONCLUSION
POSTFACE
BIBLIOGRAPHY
LEGAL REFERENCES
International law
EU law
National Law
National Regulation
Case law
Soft law instruments
Contractual Documents
ACADEMIC REFERENCES
Books and Edited Books
Chapters in Edited Books
Journal Articles
OTHER REFERENCES
Conference Papers and Speeches
Reports and Working Papers
Dictionaries and Encyclopedias
Websites
Online sources
ANNEX
Legal and Policy Tools.
Table of Figures
Table of Legal and Policy Tools
List of Acronyms
ABOUT THE AUTHOR
ACKNOWLEDGMENTS
PREFACE
INTRODUCTION
PART I
WHY WE NEED A RIGHT TO BANK?
CHAPTER 1 A right to bank cannot be inferred but it can be justified
Introduction
1. The right to wellbeing
2. The right to freely dispose of own wealth
3. The right to property
4. The entitlement to a social and economic order that support economic rights' realization
Concluding remarks
CHAPTER 2 A right to bank is urged
Introduction
1. Introducing strategic foresight as method
2. Applying strategic foresight to the banking sector
2.1 Banking sector's major forces and trends
2.1.1 Between 2023 and 2025
2.1.2 Between 2025 and 2030
2.1.3 Between 2030 and 2050
2.2 Ecological major forces and trends
2.2.1 Between 2023 and 2025
2.2.2 Between 2025 and 2030
2.2.3 Between 2030 and 2050
2.3 Technological major forces and trends
2.3.1 Between 2023 and 2030
2.3.2 Between 2025 and 2030
2.3.3 Between 2030 and 2050
2.4 Lifestyle major forces and trends
2.4.1 Between 2023 and 2030
2.4.2 Between 2025 and 2030
2.4.3 Between 2030 and 2050
2.5 Economic major forces and trends
2.5.1 Between 2023 and 2025
2.5.2 Between 2025 and 2030
2.5.3 Between 2030 and 2050
2.6 Social major forces and trends
2.6.1 Between 2023 and 2025
2.6.2 Between 2025 and 2030
2.6.3 Between 2030 and 2050
2.7 The BE(a)TLES analysis in the VUCA context
3. The right to bank as a game changer
3.1 What can banks do in order to act as a force for good?
3.1.1 Banking sector changes and consequences
3.1.2 Ecological changes and consequences
3.1.3 Technological changes and consequences
3.1.4 Lifestyle changes and consequences
3.1.5 Economic changes and consequences.
3.1.6 Social changes and consequences
3.2 In which terms the right to bank can act as game changer?
3.2.1 Direct ways in which the right to bank can act as a game changer
3.2.2 Indirect ways in which the right to bank can act as a game changer
3.2.3 Wider implications liked to the adoption of a right to bank
Concluding remarks
PART II
WHAT IS A RIGHT TO BANK ABOUT?
CHAPTER 3 The right to access the banking system
Introduction
1. The underlying issue that the new right aims to address
1.1 The issue of financial inclusion
1.1.1 Access to the banking system: still a privilege, not a right.
1.1.2 Getting access to the banking system as a step, not a milestone.
1.1.3 Mobile banking as a tool, not as the solution.
1.1.4 Voluntary financial exclusion occurs due to lack of trust towards banks.
1.2 The implications of financial exclusion
1.2.1 For banking institutions
1.2.2 For States
1.2.3. For people unbanked or experiencing financial exclusion
2. Gaps in the existing legal framework
2.1 The international context
2.2 The EU context: the right to a basic account
3. Framing the right to access the banking system
4. Applying the right to bank: just law or a real shift?
Concluding remarks
CHAPTER 4 The right to be respected as bank customer
Introduction
1. The underlying issues that the new right aims to address
1.1.1 De-banking
1.1.2 Restrictions on withdrawing money
1.1.3 Mortgages and loans: abusive practices in lending
1.1.4 Investment products: from misselling to greenwashing
1.2 The implications of lack of respect towards bank customers
1.2.1 For banks
1.2.2 For States
1.2.3 For individuals experiencing lack of respect
2. Gaps in the existing legal framework
2.1 The international legal framework
2.2 The EU legal framework: MIFID II.
3. Framing the right to be respected as bank customer
4. Applying the right to be respected as bank customer
Concluding remarks
CHAPTER 5 The right to trust the banking system
Introduction
1. The underlying issues that the new right aims to address
1.1 Banks' failure to recognize their public interest duties
1.2 The banking system fosters income inequality
1.3 Banks' shortcomings in improving culture and leadership models
2. Gaps in the existing international legal framework
2.1 CSR as outdated framework
2.2 Challenges linked to banks' adherence to the UNEP FI framework
3. Framing the right to trust the banking system
3.1 The right to trust the banking system
3.2 The Principles of Banking Social Responsibility
3.2.1 BSR Principle 1 / Peace, arms divestment
3.2.2 BSR Principle 2 / Fossil fuels divestment
3.2.3 BSR Principle 3 / Transparency
3.2.4 BSR Principle 4 / Finance the real economy
3.2.5 BSR Principle 5 / A vision beyond growth
3.2.6 BSR Principle 6 / Respect of human rights
3.2.7 BSR Principle 7 / Respect for bank clients
3.2.8 BSR Principle 8 / Fair remuneration
3.2.9 BSR Principle 9 / Assess third parties' impact
3.2.10 BSR Principle 10 / Global cooperation
4. Applying Banking Social Responsibility
4.1 For banks
4.2 For States
4.3 For individuals
Concluding remarks
CONCLUSION
POSTFACE
BIBLIOGRAPHY
LEGAL REFERENCES
International law
EU law
National Law
National Regulation
Case law
Soft law instruments
Contractual Documents
ACADEMIC REFERENCES
Books and Edited Books
Chapters in Edited Books
Journal Articles
OTHER REFERENCES
Conference Papers and Speeches
Reports and Working Papers
Dictionaries and Encyclopedias
Websites
Online sources
ANNEX
Legal and Policy Tools.