Research Library

The Smarter Signposting project was a collaboration between Royal London and the Financial Capability Lab. The pilot explored ways that financial institutions could use customers transaction data to identify customers (≤70 years) who would benefit most from independent pensions guidance. It also tested three messages (via email and letter) informed by behavioural science to engage them.

This is the final report from a project which aims to investigate the economic and financial challenges facing low to middle income families where young adults live with their parents.

A qualitative assessment of early learnings from a trial of Jars, a workplace hybrid savings tool, comprising interviews with employees, employers and stakeholders

A review of literature, and secondary analysis of existing survey data, to look at the poverty premium amongst people with protected characteristics: sex, race and disability

YBS commissioned Cebr to study national economic data and survey 2,000 people to create the ‘nest egg score’. The nest egg score assesses people’s financial safety nets across the nation and how the pandemic has impacted these.

A review of literature and data from surveys and credit reporting, analysed by industry experts to deliver insight on the impact of coronavirus on consumer credit markets

An online survey by Money and Mental Health of UK adults with and without mental health problems which explored levels of financial difficulty and the links with mental health problems during Covid-19

A review of literature and data combined with primary qualitative discussions on the topic of poverty in the UK and the impact of the coronavirus pandemic

A series of online focus groups with money advisors in the UK, about informal and illegal money lending, to understand how damaging problem debt can stay hidden.

In this seventh annual report, CACI have analysed the latest Paycheck data to reveal the state of the nation’s finances and investigate whether Covid-19 has influenced an increased disparity in income and if the impact has been uniform across the country.