Download the Pulse Survey Data

Initiative Overview
The U.S. Financial Health Pulse is a groundbreaking research initiative designed to shed light on the financial lives of Americans. Leveraging the FinHealth Score® measurement methodology, consumer surveys, and transactional records, the Pulse provides a regularly refreshed snapshot of the country’s financial health and how it is changing over time.

Annual Benchmarking Studies
The Financial Health Network is working with researchers at the University of Southern California Dornsife Center for Economic and Social Research to design, field, and analyze annual benchmarking surveys to members of the “Understanding America Study,” a nationally representative probability-based internet panel. The surveys employ a cross-sectional and longitudinal design, allowing researchers to track how financial health is changing for the nation as a whole, as well as for individuals over time.

Transactional Data Collection
The Pulse includes transactional and account data that study participants have agreed to share with researchers through a secure data platform that leverages Plaid’s API. More than 800 individuals have linked at least one financial account to the platform, including checking accounts, savings accounts, credit cards, mortgages, 401(k)s, student loans, and digital wallets. The composition of this data set broadly aligns with the composition of the online banked population of the United States. Download the transactional data methodology supplement for the 2020 Trends Report. 


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