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Journal of Economic Geography Advance Access published online on November 4, 2009
Journal of Economic Geography, doi:10.1093/jeg/lbp052
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© The Author (2009). Published by Oxford University Press. All rights reserved. For Permissions, please email: journals.permissions@oxfordjournals.org

Immigrant banking and financial exclusion in Greater Boston

Pascale Joassart-Marcelli* and Philip Stephens**

*Department of Geography, San Diego State University, 5500 Campanile Drive, San Diego, CA 92182, USA. email <pmarcell{at}mail.sdsu.edu>
**Department of Geography, San Diego State University, USA. email <stephenp{at}rohan.sdsu.edu>

JEL classifications: D14, G21, J15, R0

Immigrants' lack of financial integration has been explained by individual characteristics including education, income, legal status and English ability, with little attention given to the geographic dimensions of banking. This article builds on the literature on financial exclusion and ecology to investigate the spatial relationships between Immigrant settlement patterns in Greater Boston in 2000 and accessibility to various types of financial institutions. The analysis reveals important differences among the 10 largest immigrant groups, with poorer and more isolated immigrants disproportionately exposed to check-cashers and pawn-brokers. Immigration interacts with race and class to create a complex intra-urban financial ecology of exclusion.

Keywords: Financial exclusion, immigration, residential segregation, bank location, banking
Date submitted: 28 October 2008     Date accepted: 21 September 2009


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