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The UK Strategy for Financial Wellbeing is taking forward the work of the Financial Capability Strategy Opens in a new window

Evidence Summaries

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215 documents found
  • Do consumers understand the risks associated with different ways of saving?

    Quantitative analysis of data within the Financial Lives (2020) study, assessing the ability of UK adults to understand the risks and uncertainties of different savings approaches (savings accounts, housing and stock market returns).

    Evidence type: Insight i

    Topics: Saving, Financial Capability

    Country/Countries: United Kingdom

    Year of publication: 2022

  • Poverty in Later Life

    In this insight report, Independent Age highlight new research commissioned from City, University of London into income dynamics in later life, set out their policy calls for tackling poverty in later life, and discuss the different ways of defining and measuring poverty.

    Evidence type: Insight i

    Topics: Pensions and Retirement Planning, Credit Use and Debt

    Country/Countries: United Kingdom

    Year of publication: 2022

  • Plain Numbers Project: Initial trials report

    This project sought to test the effectiveness of the Plain Numbers Approach (making small changes to the way that numbers and data are presented) on customer comprehension across a range of markets and documents.

    Evidence type: Insight i

    Topics: Financial Capability

    Country/Countries: United Kingdom

    Year of publication: 2021

  • Money and Mental Health Rapid Evidence Review

    This report outlines the findings of a rapid evidence review of recent studies considering the links between money and mental health in the UK to highlight new findings on the relationships between money (defined broadly as personal financial circumstances) and mental health and to reflect on the extent to which the context of the COVID-19 pandemic and the current cost of living situation has shaped these issues.

    Evidence type: Review i

    Topics: Saving, Credit Use and Debt, Financial Capability

    Country/Countries: United Kingdom

    Year of publication: 2023

  • Money and mental health financial tool feedback report

    A tool used by practitioners/support workers in mental health services to address financial worries, debt, and money management among patients. It was delivered in South Tyneside and Sunderland Lifecycle Primary Care Mental Health Service and Tyneside and Northumberland MIND, targeting individuals with mental health issues.

    Evidence type: Evaluation i

    Topics: Credit Use and Debt, Budgeting and Keeping Track, Financial Capability

    Country/Countries: England

    Year of publication: 2022

  • Smarter Signposting to Pensions Guidance

    The Smarter Signposting project was a collaboration between Royal London and the Financial Capability Lab. The pilot explored ways that financial institutions could use customers transaction data to identify customers (≤70 years) who would benefit most from independent pensions guidance. It also tested three messages (via email and letter) informed by behavioural science to engage them.

    Evidence type: Insight i

    Topics: Pensions and Retirement Planning, Financial Capability

    Country/Countries: United Kingdom

    Year of publication: 2021

  • Analysis of the ‘Credit Counts’ National Strategy Measure: Adult Financial Capability Survey 2018

    An analysis of the ‘Credit Counts’ National Strategy Measure, accessing data from the 2018 Adult Financial Capability Study.

    Evidence type: Insight i

    Topics: Credit Use and Debt

    Country/Countries: United Kingdom

    Year of publication: 2020

  • Pensions Dashboard User Research

    Qualitative interviews delivered by PwC Research to explore user feedback on a Pensions Dashboard.

    Evidence type: Insight i

    Topics:

    Country/Countries: United Kingdom

    Year of publication: 2021

  • Helping those who use credit to make ends meet

    This review considers evidence on the latest evidence on the financially vulnerable, with a specific focus on those using credit to make ends meet.

    Evidence type: Review i

    Topics: Credit Use and Debt

    Country/Countries: United Kingdom

    Year of publication: 2022

  • How effective are reward-based and prize-linked savings schemes?

    This review considers evidence of the effectiveness of reward-based and prize-linked savings schemes on saving behaviour.

    Evidence type: Review i

    Topics: Saving

    Country/Countries: UK, USA, Australia and New Zealand

    Year of publication: 2021

  • Barriers to planning for retirement and later life

    A review of literature on barriers to planning for retirement and later life.

    Evidence type: Review i

    Topics: Pensions and Retirement Planning

    Country/Countries: United Kingdom, United States, China

    Year of publication: 2020

  • What works to improve wellbeing across interventions

    A review of impact evaluations to assess the use of the ONS24 measures of personal wellbeing: How are they being used, what is the quality of the impact evaluations and what are the key findings?

    Evidence type: Review i

    Topics: Financial Capability

    Country/Countries: United Kingdom

    Year of publication: 2020

  • A review of credit card literature

    A review of the literature on consumer credit card use, to inform policy implementers in consumer protection in the UK market.

    Evidence type: Review i

    Topics: Credit Use and Debt

    Country/Countries: United Kingdom, United States

    Year of publication: 2015

  • Talking with self-employed people about retirement saving

    This 2020 evaluation summarises the findings from two email messaging field trials that tested self-employed people’s engagement with different retirement saving messages.

    Evidence type: Evaluation i

    Topics: Pensions and Retirement Planning

    Country/Countries: United Kingdom

    Year of publication: 2020

  • Understanding financial hardship in rural areas

    This 2020 report uses data at the local authority level to provide a regional context for previous case studies, looking to understand financial hardship in rural areas.

    Evidence type: Insight i

    Topics: Financial Capability

    Country/Countries: England, Scotland

    Year of publication: 2020

  • Britain in the red: The household debt burden

    This 2016 report summarises a project that looked at secondary data to track the household debt burden, and in particular the economic impact of consumer borrowing.

    Evidence type: Insight i

    Topics: Credit Use and Debt

    Country/Countries: United Kingdom

    Year of publication: 2016

  • Digital advertising in financial services

    This 2020 paper uses new research evidence to set out the FSCP’s concerns about digital marketing in both the high-cost credit market and the pensions-to-cash market.

    Evidence type: Insight i

    Topics: Pensions and Retirement Planning, Credit Use and Debt

    Country/Countries: United Kingdom

    Year of publication: 2020

  • Pawnbroking customers in 2020

    This 2020 report from the Personal Finance Research Centre presents findings from an online survey and uses administrative data to provide insights into the pawnbroking industry.

    Evidence type: Insight i

    Topics: Credit Use and Debt

    Country/Countries: United Kingdom

    Year of publication: 2020

  • Problem debt and low-income households

    This 2018 report uses the Wealth and Assets survey to build on previous research into problem debt, focusing on objective household characteristics and their financial situations.

    Evidence type: Insight i

    Topics: Credit Use and Debt

    Country/Countries: England, Scotland, Wales

    Year of publication: 2018

  • Borrower subgroups and the path into distress

    This 2020 report investigates how the composition of consumer debt varies among subgroups of borrowers.

    Evidence type: Insight i

    Topics: Credit Use and Debt

    Country/Countries: United Kingdom

    Year of publication: 2020