Supporting research

We work in partnership with organisations to conduct research that provides free publicly-available information into areas which are material to our social purpose. Please find below, the research we have undertaken so far.

Win & Save, SMF, 2019

Exploring the potential of a lottery savings scheme in the UK

This research examines how prize linked savings could boost financial inclusion by helping a wider range of individuals build up a savings buffer. It suggests how the National Lottery might create a new hybrid lottery and savings offer: so buying a ticket would help an individual create a savings pot, in addition to the chance to win a cash prize.

Bradford Literature Festival, An Evaluation of Social Return using Willingness to Pay, 2017

An Evaluation of Social Return using Willingness to Pay

This evaluation was commissioned by Provident Financial Group, sponsor of Bradford Literature Festival, to measure the value and social return that the Festival creates in the following areas of interest; Inclusion and diversity, literacy and engagement; perception of Bradford City and contribution to the tourism economy.

In too deep, an investigation into debt and relationships, Relate, 2017 

This research investigates how financial difficulties can undermine relationships and how relationship difficulties can affect how people manage their finances.  It gauges how frequently problems of this nature arise and suggests ways to improve the support available to individuals in such situations.

Standing alone? Self-employment for those on low income, Bright Blue, 2016

Rises in the number of individuals self-employed since 2008 have been accompanied by sharp falls in earnings. This report examines the experiences and challenges facing self-employed individuals on low income.

Bargaining on a low income, SMF, 2015

This report suggests what options might be most effective to policymakers aiming to help those on lower incomes get better value in consumer markets such as grocery, utilities, financial services and travel.

Family Fortunes, SMF, 2013

An investigation of the prevalence, nature and impact of intergenerational transfers in low income families and what such support means to both donors and recipients.

Sink or Swim, SMF, 2012

A study into how potential recipients of Universal Credit felt they would be able to cope with the changes this new welfare framework is to bring.

Debt Advice Channel Strategy Research, Policis for Money Advice Trust, 2012

This research collates evidence on how people need and want to seek debt advice and how they can be directed towards the most appropriate channel.

Facing the Squeeze, PFRC for Money Advice Trust, 2011

An assessment of the impact of the economic downturn on household budgeting and of the likelihood of households accessing money advice.

Towards a nation of savers, PFRC, 2011

Investigation of the key factors which determine whether those on lower incomes realise their ambition to save.  

Saving on a shoestring, SMF, 2011

An analysis of past Governments’ efforts to promote saving and what lessons could be drawn from these for future public policy efforts.

Open Economics, Demos, 2010

An assessment of the concept of ‘economic literacy’.  Namely to what extent do individuals understand the interaction between their behaviour and the operation of the economy as a whole?  

Facing the Squeeze, PFRC for Money Advice Trust, 2009

This looks at the impact of the economic downturn on household budgeting and attitudes to money.  Also examines such households’ attitude to the merits or value of accessing money advice.