Financial exclusion and poverty

Making the Poverty Premium History - A practical guide for business and policy makers
Sara Davies and Andrea Finney (2017) University of Bristol


The Poverty Premium - When low-income households pay more for essential goods and services
Sara Davies, Andrea Finney and Yvette Hartfree (2016) University of Bristol


Widening participation? Exploring the effect of financial support and outreach on the choices and experiences of students in Bristol
Sara Davies and Richard Harris (2016) University of Bristol


Locating credit and debt within an anti-poverty strategy for the UK
Yvette Hartfree and Sharon Collard (2015) Policy Press


Helping private tenants achieve financial inclusion
Claire Whyley, Andrea Finney and Dawn Muspratt (2013 and 2014) Nationwide Foundation


Joseph Rowntree Foundation: Producing an Anti-Poverty Strategy for the UK - Evidence Reviews 
Yvette Hartfree and Sharon Collard (2014) Joseph Rowntree Foundation
Beverley A Searle and Stephan Köppe (2014) Joseph Rowntree Foundation


Helping private tenants achieve financial inclusion
Claire Whyley, Andrea Finney and Dawn Muspratt (2013) Nationwide Foundation


Developing a vision for financial inclusion
Elaine Kempson and Sharon Collard (2012) Friends Provident Foundation


Evaluation of the financial inclusion Growth Fund
Sharon Collard, Chris Hale and Laurie Day (2011) Financial Inclusion Taskforce


"You just have to get by" – Coping with low incomes and cold homes
Will Anderson, Vicki White and Andrea Finney (2010) eaga Charitable Trust


Regression analysis of the unbanked using the 2006-07 Family Resources Survey
Andrea Finney and Elaine Kempson (2009) HM Treasury


Financial services provision and the prevention of financial exclusion
(2008) European Commission


Toward financial inclusion in the UK: progress and challenges
Sharon Collard (2007) Public Money and Management


Understanding older people’s experiences of poverty and material deprivation
Nicola Dominy and Elaine Kempson (2006) Corporate Document Services


Migrants and financial services: a review of the situation in the United Kingdom
Adele Atkinson (2006) PFRC


Affordable credit for low-income households
Sharon Collard and Elaine Kempson (2005) The Policy Press


Young people: avoiding banking exclusion
Adele Atkinson (2004) World Savings Banks Institute


Policy level response to financial exclusion in developed economies: lessons for developing countries
Elaine Kempson, Adele Atkinson and Odile Pilley (2004) Department for International Development


Developing deprivation questions for the Family Resources Survey
Stephen McKay and Sharon Collard (2003) Department for Work and Pensions


Promoting financial inclusion: An assessment of initiatives using a community select committee approach
Sharon Collard, Elaine Kempson and Nicola Dominy (2003) The Policy Press


Ending fuel poverty and financial exclusion: a market feasibility report
Sharon Collard (2001) Ofgem


Tackling financial exclusion: an area based approach
Sharon Collard, Elaine Kempson and Claire Whyley (2001) The Policy Press


In or out? Financial exclusion: a literature and research review
Elaine Kempson, Sharon Collard, Claire Whyley and John Caskey (2001) Financial Services Authority


Women and personal finance: the reality of the gender gap (PDF, 242kB)
(2001) Financial Services Authority


Kept out or opted out? Understanding and combating financial exclusion 
Elaine Kempson and Claire Whyley (1999) The Policy Press


Access to current accounts
Elaine Kempson and Claire Whyley (1998) British Bankers' Association


Local living costs: variations in the costs borne by low-income households
Elaine Kempson and Fran Bennett (1997) Policy Studies Institute


Life on a low income
Elaine Kempson (1996) York Publishing Services Ltd.


Hard times? How poor families make ends meet
Elaine Kempson, Alex Bryson and Karen Rowlingson (1994) Policy Studies Institute


Outside the banking system: a review of households without a current account
Elaine Kempson (1994) HMSO


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