Triennial unbanked population share in France 2011-2024, by demographic

According to a three-year survey, the share of young French respondents without access to a banking account declined by 29 percentage points between 2017 and 2021. The decline in this particular group of respondents stood out compared to other demographics, and is likely the main cause of why the "unbanked" population - or those who or those who did not access to the services of a bank or another, similar financial organization - declined from six percent in 2017 to 0.8 percent in 2021. The report adds that men in France were more likely than women to be financially excluded from services like ATM machines, credit cards, or financial products like insurance or mortgages. The declining figures for unbanked population are reflected in the decreasing market share of cash in French physical stores.

根据为期三年的调查研究，2017年至2021年间，无银行账户的年轻法国受访者比例下降了29个百分点。相较于其他人口统计群体，这一特定受访群体的降幅尤为显著，可能是导致“无银行服务人群”——即那些未能或未接触过银行或其他类似金融机构服务的人群——从2017年的6%降至2021年的0.8%的主要原因。报告还指出，在法国，男性相较于女性更易被排除在自动取款机、信用卡或保险、抵押贷款等金融服务之外。无银行服务人群数量的下降趋势在法国实体商店现金市场占比的下降中得到了体现。