Evaluation of the Savings and Credit Pathfinders programme
An evaluation of a UK-wide pilot programme, with three workstreams, aimed at improving saving and credit use amongst people in MaPS ‘Struggling’ and ‘Squeezed’ segments.
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, Credit Use and Debt
Country/Countries: United Kingdom
Year of publication: 2021
An analysis of mortgage switching, using qualitative and quantitative research to understand the profile of non-switchers, barriers to switching and interventions that could encourage switching
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
A review of change & innovation in unsecured credit market
A review and qualitative research investigation of the market for unsecured credit in the UK, and the impact of coronavirus, commissioned by the FCA
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
Year of publication: 2021
Doorway to debt: Protecting consumers in the home credit market
An analysis of Citizen’s Advice client data, and a modelling exercise to assess the impact of a total-cost cap on home credit loans.
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: 2018
The wellbeing effects of debt and debt-related factors
A literature review and data analysis of the relationship between debt and subjective wellbeing, using data from a longitudinal British survey on wealth and assets
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, United States
Year of publication: 2020
Locating credit and debt within an anti-poverty strategy
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
Year of publication: 2015
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
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
A gender analysis of the home credit industry in the UK
This 2018 report from the Personal Finance Research Centre examines if the regulatory and policy framework surrounding home credit allows for the female-oriented nature of the 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: 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
Improving financial wellbeing through the debt advice journey
An evaluation of interventions that seek to improve financial capability among clients experiencing problem 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: England
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
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
