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639kb
The Personal Finance Research Centre at the University of Bristol has undertaken a review of evaluations of financial capability strategies on behalf of the Financial Services Authority.
The review was designed to meet two objectives:
1) To describe the extent to which the empirical literature identifies any incremental impact of financial capability interventions on people’s behaviour and attitudes:
• paying particular attention to the evidence about the effectiveness of different delivery methods of financial education and the impact on key target groups; and
• highlighting which aspect(s) of financial capability are being delivered by the various schemes wherever possible.
2) To create a set of plausible estimates of the proportion of people likely to respond to types of financial capability initiatives by making changes in their behaviour, and the extent of any changes they make to their personal finances. (FSA, 2008)
628kb
The aim of the research was to provide findings which could inform the FSA what scope there is to expand the role of information and advice on financial issues within the Bureaux, and how the FSA and Bureaux could work together more closely.
The FSA also wanted to gather views about a new tool which they are going to launch, called the Financial Health Check. (FSA, 2004)
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To inform its consumer education work in schools the Financial Services Authority (FSA) commissioned the Centre for Research in Social Policy (CRSP) to investigate the experiences which children from financially excluded families bring to the class room and how these relate to the teaching of money
within schools.
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This report evaluates the case for developing a national advice resource to provide impartial, generic financial advice targeted at people on low to moderate incomes. (Resolution Foundation, 2006)
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This booklet is intended for use by advice workers, outreach workers or key workers whose service users receive Department for Work and Pensions (DWP) benefits, wages from an employer or any other income. Direct Payment is now the normal way that state benefits and pensions are paid and also the preferred method of payment by employers. (Toynbee Hall, 2005)
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This paper sets out what financial inclusion is and looks at the role of housing organisations in delivering financial capacity to their tenants and communities. (Chartered Institute of Housing Scotland, 2009)
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This research looks into the financial needs of women experiencing domestic violence, in particularly at: financial literacy, budgeting, income maximization, credit and debt. (ADP/ Refuge, 2008)
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This research was commissioned by the Financial Capability Team of the Financial Services Authority (FSA), with the primary aim of providing the Generic Advice Working Group (formed under the Financial Capability Strategy) with an understanding of “which methods of delivery of advice appeal to different people – including Internet, face-to-face or telephone-based advice”
In addition, the Generic Advice Working Group was particularly interested in learning lessons from other consumer advice services both in the UK and overseas. (FSA, 2005)
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This report, a partnership between the Alliance for Health in the Future and the Future Foundation, details the results of research into low earners who find themselves in an ‘advice-gap’: excluded from advice provided by the financial services industry, but unable to access state support. (Resolution Foundation, 2006)
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In May 2003, the Financial Services Authority (FSA) published a leaflet that was designed to inform consumers about basic bank accounts. The leaflet was subsequently revised and republished in 2005 as Basic bank accounts – your questions answered. The aim of this study is to assess the extent to which the basic bank account leaflet achieves the FSA’s goal, which is to arm consumers with the information and confidence that they need to make informed decisions. (FSA, 2006)
