Below are research and insight publications that inform our work around financial capability (for adults, children and young people), money guidance, over-indebtedness and pensions.

A wide range of research and evaluation studies from the UK and around the world can also be found on the Evidence Hub, which is available on the Financial Capability Strategy website.

March 2020

• Children and Young People’s Financial Capability – Four to Six Year Olds

December 2019

• Children and Young People’s Financial Capability – UK Children and Young People’s Survey, Financial Education in Schools
• Children and Young People’s Financial Capability – UK Children and Young People’s Survey, England summary
• Children and Young People’s Financial Capability – UK Children and Young People’s Survey, Wales summary
• Children and Young People’s Financial Capability – UK Children and Young People’s Survey, Scotland summary
• Children and Young People’s Financial Capability – UK Children and Young People’s Survey, Northern Ireland summary

June 2019

• Levels of Over-Indebtedness in the UK (2018)

February 2019

• Financial Capability and Debt Advice
• Adult Financial Capability – Building the financial capability of UK adults – Survey

January 2019

• Market Segmentation – Segment Infographics
• Rule of Thumb Credit Use – Summary Report
• Rule of Thumb Credit Use – Executive Summary

December 2018

• Financial Capability Building Blocks – technical report 2018
• Financial Capability Survey 2018 – Survey technical report
• Improving Money Management in Working Age Adults – Evidence Review

November 2018

• Financial education in secondary schools in England
• Developing a Financial Rule of Thumb to adjust to an income drop as a result of a negative life event
• Developing a Financial Rule of Thumb to adjust to an income drop as a result of a negative life event executive summary

October 2018

• Findings from Talk, Learn, Do

September 2018

• Children & Young People and Financial Capability Commissioning Plan: Contributing Analysis Reports

August 2018

• Student financial capability research
• Understanding user needs from face-to-face debt advice services: a co-design approach

July 2018

• Mapping the unmet demand for debt advice in the UK
• Evidence review for debt advice commissioning

April 2018

• Children & Young People and Financial Capability Commissioning Plan: Contributing Analysis Reports (April 2018)
• On the front foot: developing financial capability propositions to support the debt advice journey

March 2018

• Hybrid Savings Account Research

January 2018

• Young Adults and Money Management: behaviours, attitudes and useful rules of thumb
• Debt Solutions in the UK: Recommendations for Change
• The Economic Impact of Debt Advice

December 2017

• Better Debt Advice

November 2017

• The Financial Capability of Children & Young People and their Parents 2016 – Northern Ireland
• The Financial Capability of Children & Young People and their Parents 2016 – Scotland
• The Financial Capability of Children & Young People and their Parents 2016 – Wales
• The Financial Capability of Children & Young People and their Parents 2016 – Welsh language version
• The journey from childhood skills to adult financial capability – analysis of the 1970 British Cohort Study
• The journey from childhood skills to adult financial capability – Technical Appendix
• Right Place, Right Time – Helping people with their finances when they need it most
• Numeracy and Financial Capability – Exploring the links
• Adult numeracy and financial capability – a summary

Numeracy and Financial Capability Technical documents

• Numeracy literature review
• The Money Advice Service Numeracy Deep Dive
• Modelling the impact of numeracy on financial capability

October 2017

• 2016 outcome evaluation of debt advice funded by Money Advice Service

September 2017

• Rules of Thumb Evidence Review
• Pensions Dashboard Research – 2CV
• Pensions Dashboard Research – ComRes

August 2017

• Retirement Planning Evidence Review

July 2017

• Savings evidence review

March 2017

• The Financial Capability of Children, Young People and their Parents in the UK
• The Financial Capability of Children, Young People and their Parents in the UK – Technical Report
• Children and their financial futures – event slides

February 2017

• Peer Support

November 2016

• The Economic Impact of Improved Financial Capability
• Measuring financial capability – identifying the building blocks
• Defining, measuring and predicting financial capability in the UK – Technical report
• Children and young people – Research findings (2 page document)

September 2016

• Closing the savings gap
• Closing the savings gap – event slides
• Young adults – research deep dive 2016
• Young adults – evidence review 2016

August 2016

• Older people in retirement – research deep dive 2016
• Older people in retirement – evidence review 2016

May 2016

• Market Segmentation – An overview
• Market Segmentation – Technical report
• Financial resilience segmentation conference slides
• The squeezed segment

March 2016

• A Picture of Over-Indebtedness
• A Picture of Over-Indebtedness (technical report)
• The Financial Capability of Northern Ireland

February 2016

• Money Advice Service Retirement Language

January 2016

• MAS FinCap Full Survey Scotland

November 2015

• MAS FinCap Full Survey Wales
• MAS FinCap Full Survey Wales (Welsh)

October 2015

• MAS FinCap Technical Report
• MAS FinCap UK Survey 2015

Slides from Barriers & Building Blocks Event

• Barriers and Building Blocks Presentation
• Barriers Building Blocks web

September 2015

• Milestones & Millstones (booklet)

Slides from Milestones & Milestones Event

• The Milestones – Homebuying
• The Milestones – Parenthood
• The Milestones – Unexpected life events

August 2015

• Savings Propensity Research Debrief

May 2015

• Universal Credit and you

April 2015

• Time for a lecture on loans
• To budget or not to budget in social setting

March 2015

• The Baby Journey
• Financial Capability and Wellbeing TNS BNRB report

February 2015

• Does cupid strike his bow for you?
• Home and Car Buying Consideration Report

January 2015

• Where would you go for advice?

Research 2014

December 2014

• Credit rating research exec summary

October 2014

• Analysis of the Money Advice Service Financial Capability Survey
• Do you want to be on or off the ladder?

September 2014

• It’s time to talk: young people and money regrets

August 2014

• Interest Rates Research
• Money Advice Service debt advice review 2013/14

May 2014

• Second hand car costs

April 2014

• MAS Email Registration Debrief

March 2014

• Money Lives: Research for the Money Advice Service
• The redundancy journey
• Car Buying Journey

January 2014

• Affording your home

Research 2013

December 2013

• Unexpected costs report
• Achieving consistent and high quality debt advice – Our approach to quality for the debt advice sector
• National Audit Office – Helping consumers to manage their money

November 2013

• Indebted lives: the complexities of life in debt

October 2013

• The Financial Capability of 15-17 year olds

September 2013

• Mortgage Market Review Research
• Debt Advice services in the UK: A snapshot of demand and supply

August 2013

• The Financial Capability of the UK

July 2013

• Payday loans
• MAS Proposition User Testing
• MAS Pregnancy Timeline Debrief

June 2013

• The Sandwich Generation: An exploration of the affective and financial impacts of dual caring

May 2013

• Habit Formation and Learning in Young Children

March 2013

• Money Advice Service Foundation Research

January 2013

• 360 degree evaluation of Money Advice Service funded face-to-face debt advice

Research 2012

December 2012

• Audit of the supply of debt advice services across the UK

October 2012

• The effectiveness of debt advice in the UK

June 2012

• Impact Review of Financial Education for Young People

February 2012

• Debt advice in the UK
• User needs from debt advice: individual and stakeholder views
• A better deal for everyone: A new approach to debt advice from the Money Advice Service

January 2012

• Funding debt advice in the UK – A proposed model

Research 2006-2011

July 2011

• Financial capability, income and psychological wellbeing

February 2011

• The long-term impacts of financial capability: Evidence from the British Household Panel Survey – CFEB CR03

November 2010

• Financial capability and saving: Evidence from the BHPS – CFEB CR02 – summary
• Financial capability and saving: Evidence from the BHPS – CFEB CR02 – full report

July 2010

• Transforming Financial Behaviour: Developing interventions that build financial capability – CFEB CR01 – summary
• Transforming Financial Behaviour: Developing interventions that build financial capability – CFEB CR01 – full report
• Money Guidance Pathfinder: key findings – CFEB ER01 – summary
• Money Guidance Pathfinder: key findings – CFEB ER01 – full report

May 2010

• Improving Financial Capability Among Offenders: An assessment of three programmes delivering financial capability training to offenders – CFEB ER02 – summary
• Improving Financial Capability Among Offenders: An assessment of three programmes delivering financial capability training to offenders – CFEB ER02 – full report

September 2009

• The impact of life events on financial capability: Evidence from the British Household Panel Survey(FSA)

May 2009

• Financial capability and wellbeing: Evidence from the British Household Panel Survey_(FSA)_

March 2006

• Levels of Financial Capability in the UK: Results of a baseline survey_(FSA)_
• Financial Capability baseline survey: methodological report (FSA)
• Financial Capability baseline survey: questionnaire (FSA)