Evaluation Scotland Wales
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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143 documents found
  • 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.

    Evidence type: Evaluation i

    Topics: Saving, Credit Use and Debt

    Country/Countries: United Kingdom

    Year of publication: 2021

  • Mortgage switching research

    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

    Evidence type: Insight i

    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

    Evidence type: Review i

    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.

    Evidence type: Insight i

    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

    Evidence type: Insight i

    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

    Evidence type: Review i

    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.

    Evidence type: Review i

    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.

    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

  • 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.

    Evidence type: Insight i

    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.

    Evidence type: Insight i

    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.

    Evidence type: Evaluation i

    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.

    Evidence type: Insight i

    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.

    Evidence type: Insight i

    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.

    Evidence type: Insight i

    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.

    Evidence type: Insight i

    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.

    Evidence type: Evaluation i

    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.

    Evidence type: Evaluation i

    Topics: Credit Use and Debt

    Country/Countries: United Kingdom

    Year of publication: 2018