Research

July 2019

Building a Bridge to Credit Visibility

United States of America Consumer Financial Protection Bureau

Malaysia National Strategy for Financial Literacy 2019-2023

Malaysia Financial Education Network

Investigating Links Between Childhood FC and Young Adult Outcomes

United Kingdom Money and Pensions Service

Financial Capability of Children and Young People in the United Kingdom

United Kingdom Money and Pensions Service

Emerging Evidence on Financial Inclusion: Focus Note

United States of America Consultative Group to Assist the Poor

Taking Action to Make Financial Wellbeing Everyone’s Business

Australia Good Shepherd Microfinance, EY, Centre for Social Impact and DSS

Credit scoring in financial inclusion: Technical guide

United States of America Consultative Group to Assist the Poor

HILDA Survey: Selected Findings from Waves 1 to 17

Australia The University of Melbourne

Federal Financial Literacy Reform

United States of America U.S. Department of the Treasury

Harnessing Fintech for Financial Inclusion

Thailand The World Bank and Thailand Economic Monitor

Introducing Singapore’s first Financial Wellness Index

Singapore Oversea-Chinese Banking Corporation and Simply Spot On

The Role of Digital Financial Inclusion in Preparing for Older Age and Retirement

United States of America The World Bank and Better Than Cash Alliance

Core Competencies Framework on Financial Literacy for Investors - Final Report

Spain International Organization of Securities Commissions

Best Practices for Financial Literacy and Education

United States of America U.S. Financial Literacy and Education Commission

NAB Australian Wellbeing Survey Q2 2019

Australia NAB

June 2019

Digital Platforms Inquiry Final Report

Australia ACCC

Mapping the unmet demand for debt advice in the UK

United Kingdom Money and Pensions Service

The State of U.S. Financial Capability

United States of America Financial Industry Regulatory Authority (FINRA)

What can retail banking do to build financial capability?

United Kingdom Money and Pensions Service

May 2019

2019 Money Matters of Campus Report

United States of America EVERFI and AIG

Raising Awareness of the Importance of Personal Finance in School

United States of America Global Financial Literacy Excellence Center

Charting the Customer Journey in the Digital Age

United States of America Center for Financial Inclusion and Institute of International Finance

Realizing Education for All in the Digital Age

Japan ADB Institute and Japan International Cooperation Agency

2018 Financial Wellness Year in Review

United States of America Financial Finesse

One Step at a Time: Five Year Financial Counselling Analysis

Australia The Salvation Army Australia

Financial resilience among Aboriginal and Torres Strait Islander Australians

Australia Centre for Social Impact, First Nations Foundation, and NAB

The Customer Journey Through Retirement Planning

Australia University of Melbourne: Melbourne Business School

The Australian Retirement Planning Ecosystem

Australia University of Melbourne: Melbourne Business School

Millennials’ Engagement with Online Financial Education Resources and Tools

USA Global Financial Literacy Excellence Center

Financial Literacy in the United States and Its Link to Financial Wellness

USA Global Financial Literacy Excellence Center

Consumers’ access to financial services: Twenty-Ninth Report of Session 2017-19

United Kingdom House of Commons Treasury

Under Pressure: The Squeezed Middle Class

France OECD

NAB Australian Wellbeing Survey Q1 2019

Australia NAB

January 2019

Financial Capability of Older People

Australia University of South Australia Business School

Conversations to Capability Final Report

Australia Good Shepherd Microfinance Advisory Services

December 2018

Beyond Access: The role of microfinance for Indigenous clients

Australia Good Shepherd Microfinance

FinLab 2018 Snapshot

United States of America CFSi and JPMorgan Chase & Co.

Improving money management in working age adults

United Kingdom The Money Advice Service

Let’s Talk Money Evaluation Report

Australia Bluebird Consultants, Women’s Health in the North and Financial Literacy Australia

The Sorted Whānau Financial Capability pilot Evaluation Report

New Zealand Malatest International for the Ministry of Health

November 2018

Australian Financial Attitudes and Behaviour Tracker: Wave 6

Australia ASIC and EY Sweeney

U.S. Financial Health Pulse: 2018 Baseline Survey Results

United States of America Center for Financial Services Innovation

Solving the Cash Crunch: Helping Small Businesses Access Check Funds Faster

United States of America Center for Financial Services Innovation

Financial Wellbeing - Older Australians

Australia RMIT University and ANZ

MoneyMinded Impact Report 2018

Australia RMIT University and ANZ

When's the right time to talk about money?

Australia Women's Information and Referral Exchange

Financial capability and debt advice

United Kingdom The Money Advice Service

September 2018

How Austrians bank and pay in an increasingly digitalized world

Austria Oesterreichische National bank (OeNB)

Evaluation of the Financial Security for Women in Business Program

Australia Bluebird Consultants and Small Business Mentoring Service (SBMS)

June 2018

Evaluation of PENDA: a financial empowerment app for women escaping domestic and family violence

Australia Ithaca Group and Womens Legal Service Queensland

Evaluation report on client and staff experiences of the delivery of CatholicCare NT’s Financial Wellbeing and Capability Program

Australia Flinders University, Australian Centre for Community Services Research

Money Woman A Managing Bungoo Project

Australia Positive Social Solutions and Brisbane Indigenous Media Association

March 2018

Using Survey and Banking Data to Measure Financial Wellbeing

Australia CBA and Melbourne Institute, The University of Melbourne

January 2018

Evaluation of the B-Empowered financial caring & coaching program

Australia First Person Consulting and Crossway LifeCare

Standardized Financial Literacy Evaluation Framework

United Kingdom Financial Consumer Agency of Canada

November 2017

MoneyMinded Impact Report 2017

Australia School of Economics, Finance and Marketing, RMIT University

Financial Wellbeing of Autistic Individuals

Australia RMIT University

September 2017

Australian Financial Attitudes and Behaviour Tracker: Wave 5

Australia ASIC and EY Sweeney

Exploring Financial Wellbeing in the Australian Context

Australia Muir, Hamilton, Noone, Marjolin, Salignac & Saunders, UNSW

Financial Resilience in Australia 2016: Why is financial stress on the rise?

Australia NAB and Centre for Social Impact

August 2017

Building Seniors' Financial Capability

Australia Australian Securities & Investments Commission

Evaluation of an Online and Face-to-Face University Level Personal Finance Delivery

Australia UWA Business School, The University of Western Australia and University of Newcastle

Financial Conversations: Creating capability in microfinance workers to build applicant financial literacy - Final report

Australia Good Shepherd Microfinance

Longer-Term Impacts of University Level Undergraduate Financial Literacy Education

Australia UWA Business School, The University of Western Australia

July 2017

Evaluation of the ‘You’re the Boss’ Financial Literacy Program

Australia First Person Consulting and The Salvation Army

April 2017

National Research Plan for Financial Literacy

Canada Financial Consumer Agency of Canada

March 2017

Evaluation of ‘Dollars making Sense’ literacy & numeracy coaching program

Australia d-sipher and Noosa Shire Libraries

Everyday Money Skills for Young People with Disabilities

Australia The Wyatt Trust, Bedford Group and Australian Industrial Transformation Institute, Flinders University of South Australia

November 2016

The Economic Impact of Improved Financial Capability

United Kingdom Europe Economics

MoneyMinded Impact Report 2016: The role of financial education in a family violence context

Australia School of Economics, Finance and Marketing, RMIT University – Russell, Stewart, Kutin & Rankin

Women Talk Money – Evaluation Report

Australia WIRE

September 2016

Building blocks to help youth obtain financial capability

United States of America Consumer Financial Protection Bureau (CFPB)

Evaluating the Wesley Mission In Charge of My Money financial literacy program for vulnerable populations

Australia Wesley Mission – Zanoni L, Warburton W, Russell R, Warburton M & Flynn L

Evaluating the Wesley Mission ‘In charge of my money’ financial literacy program for vulnerable populations

Australia Wesley Mission, Macquarie University and RMIT University

OECD/INFE Core Competencies Framework on Financial Literacy for Adults

France OECD

Pathways to Resilience

Australia Good Shepherd Microfinance - Randrianarisoa & Eccles

Young Adults' Financial Capability

United Kingdom The Money Advice Service

August 2016

Financial Resilience in Australia 2015

Australia NAB and Centre for Social Impact

June 2016

Access to financial services in the UK

UK The Money Advice Service, YouthSight and the National Association of Student Money Advisers

Australian Financial Attitudes and Behaviour Tracker: Wave 4, Key Findings

Australia ASIC and EY Sweeney Research

Certificate 1 – Financial Services: The Smith Family’s Financial Literacy Program, 2014 Outcomes Report

Australia First Person Consulting and Wingate Avenue Community Centre

Mathematics + Money = Engagement Final Report

Australia Western Sydney University

Report and Evaluation of the FRANS Financial Literacy Project

Australia FRANS Inc

May 2016

Access to financial services in the UK

UK Financial Conduct Authority (FCA)

Certificate 1 – Financial Services: The Smith Family’s Financial Literacy Program, 2015 Outcomes Report

Australia The Smith Family

The link between financial confidence and financial outcomes among working-aged Canadians

Canada Social Research and Demonstration Corporation (SRDC) for the Financial Consumer Agency of Canada

The role of financial literacy in financial decisions and retirement preparedness among seniors and near-seniors

Canada Social Research and Demonstration Corporation (SRDC) for the Financial Consumer Agency of Canada

April 2016

Using behavioural insights to improve financial capability

New Zealand Financial Markets Authority

March 2016

MoneyMinded Report 2015

Australia School of Economics, Finance and Marketing, RMIT University – Russell, Kutin & Stewart; Russell, Kutin & Godinho

December 2015

Australian Financial Attitudes and Behaviour Tracker: Wave 3, Key Findings

Australia ASIC and EY Sweeney Research

Generating knowhow later in life

Australia Brotherhood of St Laurence – Kimberly, Simons & Wickramasinghe

October 2015

Financial Capability Strategy

UK UK Financial Capability Board (FCB) and The Money Advice Service

March 2015

Eight Years on the Fringe

Australia Centre for Social Impact for NAB

Stocktake of Indigenous Financial Literacy Resources

Australia ASIC

February 2015

Evaluation of MoneyMob Talkabout: Final Report

Australia Garner & Pryor for Matrix On Board

Evaluation of Saver Plus Phase 5: 2011-14

Australia School of Economics, Finance and Marketing, RMIT University – Russell & Kutin

Saver Plus: A decade of Impact

Australia School of Economics, Finance and Marketing, RMIT University – Russell, Stewart & Cull

January 2015

Evaluation of the Wainuiomata Sorted Workplace Programme: Final report

New Zealand Malatest International for the Commission for Financial Capability

Financial Wellbeing: the goal of financial education

United States of America Consumer Financial Protection Bureau (CFPB)

New Zealanders aged 50 years plus: Expectations for and experiences of retirement

New Zealand Colmar Brunton for Financial Markets Authority and Commission for Financial Capability

OECD/INFE Core Competencies Framework on Financial Literacy for Youth

France OECD

The financial capability of secondary students, and the place of financial capability in secondary schools: Summary report

New Zealand New Zealand Council Educational Research and Commission for Financial Capability

Understanding and Improving Consumer Financial Health in America

United States of America Centre for Financial Services Innovation (CFSI)

oneyMinded Education Workshop & Mentoring Program Evaluation

Australia School of Economics, Finance and marketing, RMIT University – Russell, Kutin & Green

September 2014

My Moola: Report from the evaluation of an Indigenous financial literacy program

Australia Moodie (RMIT University), Diallo Roost & Dommers (Brotherhood of St Laurence) for First Nations Foundation

The financial literacy of young Australians: An empirical study and implications for consumer protection and ASIC's National Financial Literacy Strategy

Australia Ali, Anderson, McRae & Ramsay

August 2014

The Money Advice Service Debt Advice Review 2013-1

UK The Money Advice Service and Optimis Research

May 2014

Evaluation of the Sorted Workplace Pilot: Final report

New Zealand Malatest International for the Commission for Financial Literacy and Retirement Income

Strategic Framework for Investor Education and Financial Literacy

Spain The Board of IOSCO

March 2014

Financial Capability of Young Adults – A Generational View

United States of America Gary R. Mottola, Ph.D., FINRA

Life Changing Loans at No Interest

Australia The Centre for Social Impact for Good Shepherd Microfinance

Money Lives: the financial behaviour of the UK

UK The Money Advice Service

January 2014

Can You Help Someone Become Financially Capable?

United States of America The World Bank

Enhancing Financial Capability and Behaviour in Low- and Middle-Income Countries

United States of America Financial Literacy and Education Russia Trust Fund, Washington DC, World Bank Group

Financial literacy of secondary students, and its place within secondary schools

New Zealand New Zealand Council for Educational Research for Commission for Financial Literacy and Retirement Income

Rigorous evaluation of financial capability strategies: Why, when and how

United States of America Consumer Financial Protection Bureau (CFPB)

Taxation and Superannuation Literacy in Australia: What do people know (or think they know)?

Australia T. Chardon in JASSA – The Finsia Journal of Applied Finance Issue 1 2014

Toolkit for the Evaluation of Financial Capability Programs in Low- and Middle-Income Countries

United States of America Yoong, Joanne; Mihaly, Kata; Bauhoff, Sebastian; Rabinovich, Lila; Hung, Angela; 2013, Financial Literacy and Education Russia Trust Fund, Washington DC, World Bank

December 2013

Evaluation of MoneyMob Talkabout: Progress Report

Australia Pryor & Garner for Matrix On Board

StartSmart Evaluation: Summary Observations and Recommendations

Australia Australian Council for Educational Research (ACER) for the Commonwealth Bank Foundation

StartSmart Impact Report

Australia Australian Council for Educational Research (ACER) for the Commonwealth Bank Foundation

November 2013

Financial Capability of the UK

United Kingdom The Money Advice Service

September 2013

Advancing National Strategies for Financial Education

Russia G20 Russia Presidency/OECD

July 2013

Financial Literacy and Credit Card Behaviours: A Cross-Sectional Analysis by Age

United States of America Allgood, S. and Walstad, W.

Financial Literacy and Financial Behaviour Among Young Adults: Evidence and Implications

United States of America De Bassa Scheresberg, C. (Global Centre for Financial Literacy)

Financial Literacy and Retirement Planning in Australia

Australia J.R. Agnew, H. Bateman and S. Thorp in Numeracy, Vol 6, Issue 2, 2013

Westpac Kids and Money Report

Australia Westpac

June 2013

Financial Knowledge and Behaviour Survey 2013

New Zealand Colmar Brunton for Commission for Financial Literacy and Retirement Income

Measuring Financial Exclusion in Australia

Australia The Centre for Social Impact for NAB

May 2013

Habit Formation and Learning in Young Children

United Kingdom The Money Advice Service

MoneyMinded Report 2012

Australia School of Economics, Finance and Marketing, RMIT University – Russell, Stewart & Cattlin

April 2013

StepUP Loan Program: A Little Help Goes a Long Way

Australia The Centre for Social Impact for Good Shepherd Microfinance and NAB

January 2013

Evaluation of the Money 4 Wellbeing Pilot Program

Australia School of Economics, Finance and Marketing, RMIT University – Russell & Green for The Smith Family

Measuring Financial Capability: Questionnaires and Implementation Guidance for Low- and Middle-Income Countries

United States of America Kempson, Elaine; Perotti, Valeria; Scott Kinnon; 2013, Financial Literacy and Education Russia Trust Fund, Washington DC, World Bank

December 2012

Measuring the Impact of Microfinance ‘Money Conversations’ on Financial Capability: A trial study

Australia Good Shepherd Youth & Family Service – Corrie for the Commonwealth Department of Families, Housing, Community Services and Indigenous Affairs (FaHCSIA)

November 2012

How young New Zealanders learn about personal finance: A longitudinal study

New Zealand Financial Education and Research Centre

February 2012

Making Money Count More: An evaluation of Making Money Count

Australia Sinclair Consultants Pty Ltd for Mission Australia and the Citi Foundation

January 2012

High Level Principles for the Evaluation of Financial Education Programmes

France OECD International Network on Financial Education (INFE)

December 2011

ANZ Survey of Adult Financial Literacy in Australia

Australia ANZ and Roy Morgan Research

November 2011

Case Study Evaluation of the MilbaDjunga (Smart Money) program

Australia School of Economics, Finance and Marketing, RMIT University – Russell, Yoosuf & Cattlin for ASIC and Queensland Department of Education and Training

May 2011

Measuring Financial Exclusion in Australia

Australia The Centre for Social Impact for NAB

April 2011

Evaluation of Yarrabah and Palm Island Money Management Services

Australia James Cook University – Robertson & Clough for Indigenous Consumer Assistance Network (ICAN)

Money matters in Times of Change: Financial vulnerability through the life course

Australia Z. Arashiro for Brotherhood of St Laurence

December 2010

Evidence Versus Emotion: How Do We Really Make Financial Decisions?

Australia Citi Australia and The Australian Institute

January 2010

Detailed Guide to Evaluating Financial Education Programmes

France OECD International Network on Financial Education (INFE)

October 2008

ANZ Survey of Adult Financial Literacy in Australia

Australia ANZ and the Social Research Centre

July 2008

Financial Capability: A Behavioural Economics Perspective

United Kingdom Prepared for the Financial Services Authority, by David de Meza, Bernd Irlenbusch and Diane Reyniers, London School of Economics

April 2008

Financial Literacy: Women Understanding Money

Australia Financial Literacy Foundation

September 2007

Financial Literacy: Australians Understanding Money

Australia Financial Literacy Foundation and DBM

March 2006

Levels of Financial Capability in the UK: Results of a Baseline Survey

United Kingdom Prepared for the Financial Services Authority, by Adele Atkinson, Stephen McKay, Elaine Kempson and Sharon Collard, Personal Finance Research, University of Bristol

November 2005

ANZ Survey of Adult Financial Literacy in Australia

Australia ANZ and AC Nielsen

June 2005

Measuring Financial Capability: An Explanatory Study

United Kingdom Prepared for the Financial Services Authority, by Personal Finance Research, University of Bristol

May 2003

ANZ Survey of Adult Financial Literacy in Australia

Australia ANZ and Roy Morgan Research