Financial exclusion and poverty

Financial exclusion encompasses a wide range of structural and individual barriers to accessing and using financial services. It is closely associated with poverty and other forms of exclusion - such as digital exclusion.


Mapping the poverty premium in Britain
Jamie Evans and Sara Davies


The financial impact of the pandemic
Sharon Collard, David Collings and Katie Cross

The inequality of poverty: exploring the link between the poverty premium and protected characteristics
Sara Davies and David Collings


Where to withdraw? Mapping access to cash across the UK
Dr Daniel Tischer, Jamie Evans, Katie Cross, Richard Scott and Isobel Oxley

The poverty premium: a customer perspective
Sara Davies and Lorna Trend 

From headline statistics to lived experiences: a new approach to measuring the poverty premium
Sara Davies and Andrea Finney

Access to essential services for low-income people
Jonathan Bradshaw, Elaine Kempson and Caroline Mullen

Poverty and multiple sclerosis: a rapid evidence assessment
Andrea Finney

Geographies of access to cash
Jamie Evans, Dr Daniel Tischer and Sara Davies

Future Quest: Evaluation of a cohort outreach programme (PDF, 724kB)
Sara Davies


Mapping the availability of cash
Dr Daniel Tischer, Jamie Evans and Sara Davies


Making the Poverty Premium History - A practical guide for business and policy makers
Sara Davies and Andrea Finney


The Poverty Premium - When low-income households pay more for essential goods and services
Sara Davies, Andrea Finney and Yvette Hartfree

Widening Participation? Exploring the effect of financial support and outreach on the choices and experiences of students in Bristol
Sara Davies and Richard Harris


Locating credit and debt within an anti-poverty strategy for the UK
Yvette Hartfree and Sharon Collard


Universal Credit: the impact of monthly payments on low income households
Yvette Hartfree

Helping private tenants achieve financial inclusion
Claire Whyley, Andrea Finney and Dawn Muspratt

Joseph Rowntree Foundation: Producing an Anti-Poverty Strategy for the UK - Evidence Reviews 
Yvette Hartfree and Sharon Collard 
Beverley A Searle and Stephan Köppe


Helping private tenants achieve financial inclusion
Claire Whyley, Andrea Finney and Dawn Muspratt


Developing a vision for financial inclusion
Elaine Kempson and Sharon Collard


Evaluation of the financial inclusion Growth Fund
Sharon Collard, Chris Hale and Laurie Day


"You just have to get by" – Coping with low incomes and cold homes
Will Anderson, Vicki White and Andrea Finney


Regression analysis of the unbanked using the 2006-07 Family Resources Survey
Andrea Finney and Elaine Kempson


Financial services provision and the prevention of financial exclusion
European Commission


Toward financial inclusion in the UK: progress and challenges
Sharon Collard

Disability and caring among families with children: family employment and poverty characteristics
Stephen McKay and Adele Atkinson

Health, disability, caring and employment: longitudinal analysis
Adele Atkinson, Andrea Finney and Stephen McKay


Understanding older people’s experiences of poverty and material deprivation
Nicola Dominy and Elaine Kempson

Migrants and financial services: a review of the situation in the United Kingdom
Adele Atkinson


Affordable credit for low-income households
Sharon Collard and Elaine Kempson


Young people: avoiding banking exclusion
Adele Atkinson

Policy level response to financial exclusion in developed economies: lessons for developing countries
Elaine Kempson, Adele Atkinson and Odile Pilley


Developing deprivation questions for the Family Resources Survey
Stephen McKay and Sharon Collard

Promoting financial inclusion: An assessment of initiatives using a community select committee approach
Sharon Collard, Elaine Kempson and Nicola Dominy


Ending fuel poverty and financial exclusion: a market feasibility report
Sharon Collard

Tackling financial exclusion: an area based approach
Sharon Collard, Elaine Kempson and Claire Whyley

In or out? Financial exclusion: a literature and research review
Elaine Kempson, Sharon Collard, Claire Whyley and John Caskey

Women and personal finance: the reality of the gender gap (PDF, 242kB)
Financial Services Authority


Kept out or opted out? Understanding and combating financial exclusion 
Elaine Kempson and Claire Whyley


Access to current accounts
Elaine Kempson and Claire Whyley


Local living costs: variations in the costs borne by low-income households
Elaine Kempson and Fran Bennett


Life on a low income
Elaine Kempson


Hard times? How poor families make ends meet
Elaine Kempson, Alex Bryson and Karen Rowlingson

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