In France, the law on exclusion (1998) emphasizes an individual’s right to have a bank account. The German Bankers’ Association introduced a voluntary code in 1996 providing for a socalled “everyman” current banking account that facilitates basic banking transactions.
In  BIS central bankers’ speeches  1  South Africa, a low-cost bank account, called Mzansi, was launched for financially excluded people in 2004 by the South African Banking Association. In the UK, a Financial Inclusion Task Force was constituted by the government in 2005 in order to monitor the development of the process.