Financial Exclusion in Rural and Urban Contexts in Poland: A Threat to Achieving SDG Eight?

Financial inclusion, which consists of having a financial system that is easily accessible to citizens, identified by various international organizations such as the new UN Agenda 2030, priority objective. This objective particularly relevant in rural areas, where access these services more difficult, citizens have travel several kilometers them. In this study, we analyze current situation Polish sector terms its accessibility, order measure degree inclusion. For purpose, use three combined methodologies. Initially, data extraction from Central Bank Poland was carried out. Subsequently, methodologies are applied calculate First, apply criteria Access Survey (FAS) International Monetary Fund. Secondly, Cash Index (ACI) methodology calculating score describes banking according certain items. Finally, nearest neighbor detect each voivodship those points it most difficult (measured km distance) services. Some especially areas different voivodeships, present problems when comes accessing Therefore, fulfillment SDG 8.10 will be achieve areas. The public authorities must pay attention this, reach commitments acquired with 2030 agenda,