The banking and users' associations review the degree of compliance with the code of good practice that banks implemented last year. Joaquín Maudos, Professor of Economic Analysis at the University of Valencia, entrusted with monitoring the progress made, says that the project is "progressing well" with data: of the approximately 211,000 people experiencing financial exclusion at the time of the programme's implementation, 70,000 have found a reference point close to them to complete their transactions.