LAW Sau-Wai, SamuelSamuelLAW Sau-Wai2023-11-022023-11-022022Journal of International Banking Law and Regulation, 2022, Vol. 37(11), pp. 429-439.1742-6812file:///C:/Users/libsltse/Downloads/SSRN-id4274598%20(1).pdfhttp://hdl.handle.net/20.500.11861/8491This article examines how virtual banks in Hong Kong may discourage the use of banking services and create new forms of financial exclusion. The competitive edge of virtual banks is also lacking when conventional banks offer the same online services. This article suggests the role of technology in promoting financial inclusion should be scrutinised.enPromoting financial inclusion through the launch of virtual banks? empirical insights from Hong Kong banking customersPeer Reviewed Journal Article