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Evidence Summaries

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110 documents found
  • Regulating the credit card market: cap on costs

    This report uses data from the Bank of England’s 2018 Household Survey to present new evidence of the impact of credit card debt on low-income households.

    Evidence type: Insight i

    Topics: Credit Use and Debt

    Country/Countries: United Kingdom

    Year of publication: 2019

  • The Good Credit Index

    The 2019 Good Credit Index maps access to ‘good’ credit across the country, with the aim of repeating the Index annually.

    Evidence type: Insight i

    Topics: Credit Use and Debt

    Country/Countries: United Kingdom

    Year of publication: 2019

  • Alternatives to high cost credit

    This paper examines the market for alternatives to high-cost credit and sets out the actions taken by the FCA on commitments made in previous reports, as well as next steps.

    Evidence type: Insight i

    Topics: Credit Use and Debt

    Country/Countries: England

    Year of publication: 2019

  • Managing My Money for the Just About Managing

    Open University & Coventry University designed and tested (using multiple controlled field trials) a short, behaviourally-informed financial education tool aimed at improving the day-to-day budgeting, spending, and saving behaviour of people who are Just About Managing.

    Evidence type: Evaluation i

    Topics: Saving, Credit Use and Debt, Budgeting and Keeping Track, Financial Education

    Country/Countries: England

    Year of publication: 2019

  • The CashWise programme

    CashWise is a workplace financial education programme designed to improve fincap outcomes for low-income employees in east London. Face-to-face group workshops were delivered by ELBA to over 100 participants.

    Evidence type: Evaluation i

    Topics: Saving, Pensions and Retirement Planning, Credit Use and Debt, Budgeting and Keeping Track, Insurance and Protection, Financial Education, Financial Capability

    Country/Countries: England

    Year of publication: 2019

  • Borrowed years. A spotlight briefing on young people, credit and debt

    Survey of 18-24 year olds in the UK about their credit use, and recommendations on how to address problem debt among young people.

    Evidence type: Insight i

    Topics: Credit Use and Debt

    Country/Countries: United Kingdom

    Year of publication: 2016

  • Credit card market study: interim report

    A study assessing the behaviour of credit card companies and consumers, including problem debt and possible solutions.

    Evidence type: Insight i

    Topics: Credit Use and Debt

    Country/Countries: United Kingdom

    Year of publication: 2015

  • Financial capability and debt advice

    MAS review exploring existing evidence on the integration of debt advice and financial capability, including stakeholder interviews and a call for evidence to providers.

    Evidence type: Review i

    Topics: Saving, Pensions and Retirement Planning, Credit Use and Debt, Budgeting and Keeping Track, Insurance and Protection, Financial Capability

    Country/Countries: United Kingdom

    Year of publication: 2018

  • The Money House: final evaluation report

    An evaluation of workshops for young people aged 16-25, designed to build financial capability and support the transition to independent living.

    Evidence type: Evaluation i

    Topics: Saving, Credit Use and Debt, Budgeting and Keeping Track, Pensions and Retirement Planning, Insurance and Protection, Financial Education, Financial Capability

    Country/Countries: England

    Year of publication: 2018

  • Children and young people financial capability deep dive: parenting

    A study assessing to what extent parent’s behaviour and attitudes towards money affects their children’s financial capability.

    Evidence type: Insight i

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

    Country/Countries: United Kingdom

    Year of publication: 2018

  • Evaluation of DWP Financial Inclusion Champions Initiative.

    Evaluation of the Financial Inclusion Champions Initiative. The initiative was designed to reduce financial exclusion through local delivery partnerships.

    Evidence type: Evaluation i

    Topics: Saving, Credit Use and Debt, Budgeting and Keeping Track, Insurance and Protection

    Country/Countries: United Kingdom

    Year of publication: 2011

  • Improving the financial literacy of European consumers

    A review of European literature exploring definitions of financial literacy. The review also reflects on European legislation promoting financial literacy among consumers.

    Evidence type: Review i

    Topics: Saving, Pensions and Retirement Planning, Credit Use and Debt, Budgeting and Keeping Track, Insurance and Protection

    Country/Countries: EU Countries

    Year of publication: 2015

  • Pilot Phase Evaluation of the Community Development Finance Institution

    The consortium model is designed to help low income houses in Scotland with community based initiatives centred on affordable credit.

    Evidence type: Evaluation i

    Topics: Credit Use and Debt

    Country/Countries: Scotland

    Year of publication: 2018

  • The ABC's of financial education: experimental evidence on attitudes, behavior, and cognitive biases

    Randomised control trial, by the World Bank, testing the impact of Financial Education on working age adults in urban India

    Evidence type: Evaluation i

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

    Country/Countries: India

    Year of publication: 2015

  • Income Roulette: A study of UK financial resilience

    This 2017 report by LV= examines which groups are most at risk from a sudden loss of income, and suggests areas for action in strengthening the financial resilience of UK households.

    Evidence type: Insight i

    Topics: Saving, Credit Use and Debt, Insurance and Protection

    Country/Countries: United Kingdom

    Year of publication: 2017

  • Digital and economic inclusion: how internet adoption impacts banking status

    Financial technology is promised as a means of financial inclusion for the un(der)banked. This study reviews available data to show that lack of digital knowledge impedes take-up of financial services.

    Evidence type: Insight i

    Topics: Saving, Credit Use and Debt

    Country/Countries: United States

    Year of publication: 2017

  • Digitalisation and finance: Financial Markets, Insurance and Pensions

    This series of articles presents a framework to help financial regulators understand the developments in financial markets that are being driven by digital technologies and innovation.

    Evidence type: Insight i

    Topics: Saving, Pensions and Retirement Planning, Credit Use and Debt

    Country/Countries: OECD Countries

    Year of publication: 2018

  • Sustaining debt repayments: Experiences of people in informal repayment arrangements

    This report provides insight into the experiences of people in informal debt repayment arrangements, and the factors influencing the sustainability of debt repayments.

    Evidence type: Insight i

    Topics: Credit Use and Debt

    Country/Countries: England, Scotland and Wales

    Year of publication: 2012

  • Men, money advice and the road to financial health

    This 2011 report from Loughborough University aims to further our understanding of the relationship between men and debt, using interviews with men aged between 25 and 63.

    Evidence type: Insight i

    Topics: Saving, Credit Use and Debt, Budgeting and Keeping Track

    Country/Countries: England

    Year of publication: 2011

  • An evaluation into Moneyworks: Brighton and Hove

    Moneyworks, a partnership of advice agencies, provided casework support to local residents to promote money management and financial inclusion.

    Evidence type: Evaluation i

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

    Country/Countries: England

    Year of publication: 2016