What We Do / Research
Consumer Profiles and Segmentations
Consumer Profiles
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Amy Cox Household Profile: Living Paycheck to Paycheck
U.S. Financial Diaries Case study: Amy Cox is a white 34-year-old single mother of two. She lives with her children, Hailey, 9, and Andy, 8, near Cincinnati, OH. A...
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The Financial Health Network Comment Letter on Payday, Vehicle Title, and Certain High-Cost Installment Loans
The Financial Health Network is submitting this letter in response to the request for comments on “Payday, Vehicle Title, and Certain High-Cost Installment Loans,” issued by the Consumer Financial...
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Infographic: Why Consumers Turn to Small-Dollar Credit
This infographic illustrates the types and uses of Small-Dollar Credit products.
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The Financially At Risk, a Consumer Financial Health Segment
Over 29 million Americans comprise the “at risk” segment – most likely of all the segments to live paycheck to paycheck and run out of money before the end...
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The Financially Unengaged, a Consumer Financial Health Segment
A whopping sixteen percent of the country is unengaged with their financial situation. This segment earns its name from these consumers’ lack of awareness about their financial lives and...
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The Financially Tenuous, a Consumer Financial Health Segment
More than half of Americans in the tenuous segment live paycheck to paycheck (53%) and struggle to keep up with bills and credit payments.
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The Financially Striving, a Consumer Financial Health Segment
Strivers are generally able to make ends meet, but many of them are not satisfied with their current financial situation and are working to better their financial circumstances.
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U.S. Financial Diaries: Emergency Savings
Standard financial literacy curricula recommends that households should have at least three months of income set aside in emergency savings.
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Mateo And Lucia Household Profile: Thriving But Still Vulnerable In The U.S.
U.S. Financial Diaries Case study: Mateo Valencia, 31, and Lucia Benitez, 30, are an unmarried couple living in Queens with their four year-old son Pablo.
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Design Matters – Learning from Consumers Experiences with Small-Dollar Loans
Reliable access to high-quality small-dollar credit (SDC) is vital to the financial success of millions of U.S consumers.
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