Research
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
June 2019
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
September 2018
August 2018
- Student financial capability research
- Understanding user needs from face-to-face debt advice services: a co-design approach
July 2018
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
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
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
September 2017
August 2017
July 2017
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
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
January 2016
November 2015
October 2015
Slides from Barriers & Building Blocks Event
September 2015
Slides from Milestones & Milestones Event
August 2015
May 2015
April 2015
March 2015
February 2015
January 2015
Research 2014
December 2014
October 2014
- Analysis of the Money Advice Service Financial Capability Survey
- Do you want to be on or off the ladder?
September 2014
August 2014
May 2014
April 2014
March 2014
January 2014
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
October 2013
September 2013
August 2013
July 2013
June 2013
May 2013
March 2013
January 2013
Research 2012
December 2012
October 2012
June 2012
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
Research 2006-2011
July 2011
February 2011
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