Methodology

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 will provide 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 Financial Health Network is also working with engineers and data analysts at Plaid to collect and analyze study participants’ transactional and account records. A subset of respondents who completed the 2018 and 2019 surveys have been invited to share their transactional and account data with researchers through Plaid’s data aggregation platform. Researchers are now able to view participants’ anonymized transaction records and account balances, providing them with an unprecedented opportunity to understand the financial lives of Americans.

Looking Ahead: A Composite Framework
In 2020, the results of the survey data analysis and transactional data analysis will be brought together to provide a composite index that will assess and track changes in the financial health of Americans over time.

Download the Pulse Data

Please provide your information to access the data sets and questionnaires from the U.S. Financial Health Pulse.



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