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.
2024
Flexible payments: Understanding payment needs in low-income households
Sara Davies and Sharon Collard
Evaluating money matters advice and support services provided through food banks
Andrea Finney, Sara Davies, David Collings, Katie Cross and Jamie Evans
Driving up costs
Sara Davies and Jamie Evans
2023
The poverty premium in 2022
Sara Davies and Jamie Evans
2022
Cashing in: How do cash deposits at Post Offices change when local bank branches shut?
Jamie Evans and Dr Daniel Tischer
Mapping the poverty premium in Britain
Jamie Evans and Sara Davies
2021
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
2020
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
2019
Mapping the availability of cash
Dr Daniel Tischer, Jamie Evans and Sara Davies
2017
Making the Poverty Premium History - A practical guide for business and policy makers
Sara Davies and Andrea Finney
2016
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
2015
Locating credit and debt within an anti-poverty strategy for the UK
Yvette Hartfree and Sharon Collard
2014
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
2013
Helping private tenants achieve financial inclusion
Claire Whyley, Andrea Finney and Dawn Muspratt
2012
Developing a vision for financial inclusion
Elaine Kempson and Sharon Collard
2011
Evaluation of the financial inclusion Growth Fund
Sharon Collard, Chris Hale and Laurie Day
2010
"You just have to get by" – Coping with low incomes and cold homes
Will Anderson, Vicki White and Andrea Finney
2009
Regression analysis of the unbanked using the 2006-07 Family Resources Survey
Andrea Finney and Elaine Kempson
2008
Financial services provision and the prevention of financial exclusion
European Commission
2007
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
2006
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
2005
Affordable credit for low-income households
Sharon Collard and Elaine Kempson
2004
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
2003
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
2001
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
1999
Kept out or opted out? Understanding and combating financial exclusion
Elaine Kempson and Claire Whyley
1998
Access to current accounts
Elaine Kempson and Claire Whyley
1997
Local living costs: variations in the costs borne by low-income households
Elaine Kempson and Fran Bennett
1996
Life on a low income
Elaine Kempson
1994
Hard times? How poor families make ends meet
Elaine Kempson, Alex Bryson and Karen Rowlingson
