1. 2Im1cJv) to banks operating in Hong Kong: the HKMA observed months of media reports on the plight of some customer groups who were excluded from banking services. The HKMA warned about the dangers of screening out too many potential customers, because the resulting debanking or financial exclusion of some customer groups could harm Hong Kong's economy and its reputation as one of the world's leading international financial centers. As a follow up;For instance, the Hong Kong Monetary Authority (HKMA) issued a circular on de-risking and financial inclusion on September,2016
2. See Global Partnership for Financial Inclusion;International Finance Corporation,2017
3. Mediation Essentials
4. The World Bank Annual Report 2018