Financial exclusion of a transactional character: case study of the unemployed in the city of Plock

Financial exclusion still constitutes a serious problem of economic and social character in Poland. The unemployed are particularly vulnerable to financial and transactional exclusion. The lack of employment and permanent income makes it impossible for them to access a wide range of banking services. Empirical research confirms that social and demographic characteristics constitute a strong differentiating factor for the level of using banking services by the unemployed in Plock. Their education, age and time during which they remain without a job influence the level of transactional exclusion. The elderly, people with elementary education or basic vocational education having the status of unemployed for at least 3 months constituted the group of unemployed with the lowest access to banking services.