Politicians and the media frequently refer to the Netherlands as a multicultural society. Everyone in the Netherlands is equal before the law. Equal people with the same starting point should, theoretically, make the same choices. But is this really the case when people choose financial distribution channels and financial products? Or is there also a cultural dimension at work, fed by origin and affinity with a specific group? And are people really equal when it comes to financial products?
The paper looks at which variables and constructs should play a role in studying these aspects and what techniques are necessary to arrive at an explanation of choice behaviour.