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.
A comprehensive and replicable review of all relevant studies on a topic with a summary of findings
An indicative review of a sample of relevant studies on a topic with a summary of findings
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.
A comprehensive and replicable review of all relevant studies on a topic with a summary of findings
An indicative review of a sample of relevant studies on a topic with a summary of findings
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?
A comprehensive and replicable review of all relevant studies on a topic with a summary of findings
An indicative review of a sample of relevant studies on a topic with a summary of findings
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.
A comprehensive and replicable review of all relevant studies on a topic with a summary of findings
An indicative review of a sample of relevant studies on a topic with a summary of findings
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.
Information about the programme design and rationale
Evidence about Financial Capability outcomes for programme participants
Evidence that the Financial Capability outcomes were caused by the programme
Evidence about programme implementation, feasibility, and piloting
Evidence about relative costs and benefits of the programme
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.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
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.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
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.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Pensions and Retirement Planning, Credit Use and Debt
Country/Countries: United Kingdom
Year of publication: 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.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
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.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
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.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Credit Use and Debt
Country/Countries: United Kingdom
Year of publication: 2020
Inequalities in the use and burden of consumer credit
This 2020 report examines the inequalities in the use and burden of consumer credit in the UK.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Credit Use and Debt
Country/Countries: United Kingdom
Year of publication: 2020
The Living Standards Audit 2020
This 2020 report takes a look at the impact of the coronavirus pandemic and associated crises on the living standards of people in the UK.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Saving, Credit Use and Debt, Budgeting and Keeping Track
Country/Countries: United Kingdom
Year of publication: 2020
Automatically enrolling consumers into overdraft alerts
This 2018 report assesses the impact of automatically enrolling consumers into overdraft alerts, using consumer data from across six major banking institutions.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Saving, Credit Use and Debt
Country/Countries: United Kingdom
Year of publication: 2018
The impact of annual summaries, texts and apps on behaviour
This 2015 report assesses the impact of annual summaries, text alerts and mobile banking apps on consumers.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Saving, Credit Use and Debt
Country/Countries: United Kingdom
Year of publication: 2015
Weighing anchor on credit card debt
An evaluation to assess the impact of stopping customers selecting credit card repayments at the contractual minimum amount.
Information about the programme design and rationale
Evidence about Financial Capability outcomes for programme participants
Evidence that the Financial Capability outcomes were caused by the programme
Evidence about programme implementation, feasibility, and piloting
Evidence about relative costs and benefits of the programme
Topics: Credit Use and Debt
Country/Countries: United Kingdom
Year of publication: 2018
An evaluation of the financial health check, that helps consumers review their spending and create achievable financial goals.
Information about the programme design and rationale
Evidence about Financial Capability outcomes for programme participants
Evidence that the Financial Capability outcomes were caused by the programme
Evidence about programme implementation, feasibility, and piloting
Evidence about relative costs and benefits of the programme
Topics: Saving
Country/Countries: United States
Year of publication: 2018
The success in nudging consumers to pay credit card debt
An evaluation to assess the impact of nudge interventions designed to increase credit card payments.
Information about the programme design and rationale
Evidence about Financial Capability outcomes for programme participants
Evidence that the Financial Capability outcomes were caused by the programme
Evidence about programme implementation, feasibility, and piloting
Evidence about relative costs and benefits of the programme
Topics: Credit Use and Debt
Country/Countries: United Kingdom
Year of publication: 2018
Intentions, beliefs and actions to pay credit card debt
An evaluation to assess the impact of disclosure interventions designed to increase payments and improve behaviour regarding credit card debt.
Information about the programme design and rationale
Evidence about Financial Capability outcomes for programme participants
Evidence that the Financial Capability outcomes were caused by the programme
Evidence about programme implementation, feasibility, and piloting
Evidence about relative costs and benefits of the programme
Topics: Credit Use and Debt
Country/Countries: United Kingdom
Year of publication: 2018
A field experiment on overdraft alerts
An evaluation to assess the impact of interventions designed to increase the number of people taking action to deal with their overdrafts.
Information about the programme design and rationale
Evidence about Financial Capability outcomes for programme participants
Evidence that the Financial Capability outcomes were caused by the programme
Evidence about programme implementation, feasibility, and piloting
Evidence about relative costs and benefits of the programme
Topics: Credit Use and Debt
Country/Countries: United Kingdom
Year of publication: 2018
