Financial Health Pulse: 2021 U.S. Trends Report
Discover how Americans’ financial health outcomes have changed as COVID-19 continued to create unprecedented disruptions.
Making Client Voice Part of the Design Process: Behavioral Insights Elevate Flexibility and Simplicity in Financial Health Tools
Even before the COVID-19 pandemic, many families across America were struggling to make ends meet. But they still have big hopes and dreams today, from getting a car to finding better job opportunities to buying a home. To achieve any of these goals, saving and credit-building are two critical steps toward financial stability and self-determination. And at the current moment of societal upheaval, financial stability is not just nice-to-have, but vital. Presented by Capital One
What Banks Need From Their Technology Stack to Support Consumer Financial Health
Explore the current landscape and opportunities to help financial institutions overcome these barriers to power effective finhealth tools.
Start Here: A Step-by-Step Guide to Impact Evaluation
Understanding why you want to conduct impact evaluation is the first step in determining how you should do it.
Motivating Change: Behavioral Economics and Financial Health
By Heidi Johnson Director, Financial Health Network Director Heidi Johnson joined the Financial Health Network team in 2019 to lead our work applying behavioral insights to the design and delivery of financial health products. She comes to our organization from the Consumer Financial Protection Bureau, where she led a behavioral research program and contributed to…
Neighborhoods Matter: The Power of Place in Shaping Financial Health
The places where people live, work, play, and worship are tightly tied to their ability to be resilient during unexpected challenges and to seize opportunities over time. This brief highlights the role of place in financial health, as well as the opportunity for place-based solutions to improve the financial lives of residents and communities.
Strengthening the Student Safety Net During COVID-19
Even before the pandemic, the lives of financially struggling students were overwhelmingly complex. For financially vulnerable students, a disruption this large can have devastating long-term impacts, including failure to re-enroll once the pandemic ends.
MassMutual Workplace Financial Wellness Study
Provided by MassMutual, this research identifies the percentage of employers who say that their workers are struggling financially and looks at the correlation between employer size and employee financial wellness issues.
Webinar: Nonprofit-Fintech Partnership Spotlight: Credit Builders Alliance and Esusu
This webinar explored the partnership between Credit Builders Alliance (CBA) and Esusu Financial Inc.
Financial Retronovation #2: Resurrecting the check register…with an AI assist
Imagine going to your smart phone to view your checking balance and seeing two numbers instead of one. The first number is the traditional available balance. The second is an estimate –more often than not, a smaller number — that projects what your balance will be one, two or three days from now.
Redesigning the Financial Roadmap for the LMI 50+ Segment
Using data from the U.S. Financial Health Pulse, the Financial Health Network identifies five challenges for the LMI 50+ and opportunities for providers to support this fast-growing segment.
2018 Financial Health Leaders Spotlight: BECU
Listen in as we hear BECU discuss their financial health measurement strategy for both customers and employees and what they are learning after building a financial health model.
2019 Financial Health Leaders Information Session
In this member-exclusive digital event, members met three organizations each with a singular focus on creating financial health for their consumers.
Auto Insurance Spotlight
This brief takes a closer look at the auto insurance coverage, acquisition channels, knowledge, and claims experience of American consumers, with a particular focus on LMI consumers.
Bill Payment Data as a Guide for Product Development
Learn how Handle Financial is assessing factors related to bill payment and using this data as a guide for product development.
Secured Credit Cards: Military and Veteran Service Members
Active military members have more consumer debt and lower self-reported credit scores than civilians, but secured credit cards can limit service members’ financial vulnerabilities.
The Financial Health Network Comment Letter on OCC Responsible Innovation Whitepaper
The Financial Health Network recognizes the important role that access to high-quality financial products plays in helping consumers improve and maintain their financial health.
“Just Right” Small-Dollar Credit Products by Center for Community Self-Help
Center for Community Self-Help’s (Self-Help) “Just Right” line of small-dollar credit (SDC) products was designed to test features of SDC products offered to clients as affordable and safe credit options.
Designing High-Quality, Small-Dollar Credit: Insights from the Financial Health Network’s Test and Learn Working Group
Millions of Americans lack access to high-quality, affordable credit. Many of the small-dollar loans available to consumers are high-cost, low-quality products that often lead borrowers into a cycle of repeat usage and mounting debt.
Compass Principles – Guiding Excellence in Financial Services
The Compass Principles are guidelines for the U.S. financial services industry. They affirm standards of excellence in the design and delivery of basic tools that people use to manage their daily financial lives.
Investing in the American Dream
How financial institutions can build long-term relationships with immigrants before and after immigration reform.
The Financial Health Network Comment Letter on CFPB’s Notice of Proposed Rulemaking Regarding Electronic Fund Transfers
The Financial Health Network believes that steps toward consumer protections for all GPR prepaid cards will ultimately benefit consumers by allowing them safe and trustworthy financial services to help them achieve financial health.
The Hossains Household Profile: Adjusting to a New Life in the US
U.S. Financial Diaries: Ahmed and Shaila Hossain are immigrants from Bangladesh who moved in 2010 to Queens, NY, where there is a large Bangladeshi community.
Financial Technology Trends in the Underbanked Market
The emerging industry of technology startups providing financial services, known as FinTech, has typically targeted a relatively affluent customer base.
Financial First Encounters: An Examination of the Fractured Financial Landscape Facing Youth Today
Young adults entering the work force and managing wages for the first time today face a financial services marketplace that is markedly more complex than the one their parents first encountered as young adults.
From Financial Education to Financial Capability: Opportunities for Innovation
The recent financial crisis has revealed that Americans at all income levels exhibit difficulty in managing their finances and are ill-prepared to weather economic stresses.
Toward Better Informed Consumers: A Collection of Strategies from Financial Institutions
This research paper describes some of the strategies that three major banks are using to supplement current disclosure practices, including working directly with the legal disclosures to improve readability and clarity.