“…exclusion debate FE is defined as the inability to meet financial needs in the formal market.It becomes an obstacle to the development of people's regular lifeBurton (2017),Deku et al (2016),Islam and Simpson (2018),Loureiro and Gonzalez (2015),Burton (2018), Fernandez-Olit et al (2018), Birkenmaier and Fu (2018), Harper et al (2018), Henry et al (2017), West and Friedline (2016), Myers et al (2012), Williams and Oumlil (2015), Friedline and West (2016), Aguila et al (2016), Corrado and Corrado (2015), Koku and Jagpal (2015), Bourles and Cozarenco (2014), Kosse and Vermeulen (2014), Caplan (2014), Russell et al (2013), Horska et al (2013), McKillop et al (2011), Rouse and Jayawarna (2011), Bowles et al (2011), Devlin (2009), Hood et al (2009) Financial geography approach Related to the "market exclusion debate." The theory emerges from a geographic perspective and the individual characteristics of the consumer are not as relevant as the demographic or territorial characteristics.…”