Between 1982 and 1994 - a period for which comparable figures are available - there was a significant shift in the composition of households’ portfolios in all the leading OECD countries: while the share of financial assets held as bank deposits declined, that of products offered by insurance companies, investment funds and pension funds grew steadily.
I would particularly like to emphasize the objective of inclusion, which, in this context, looks at the desirability of a product in terms of how effectively it might meet the requirements of a very heterogeneous group of producers of various goods and services.