Earned Wage Access and Direct-to-Consumer Advance Usage Trends
One in five families has less than two weeks of liquid savings. For the many U.S. workers living paycheck to paycheck, financial distress can occur in the time between earning and accessing wages.
Designing Digital Financial Advisory Tools for Low-to-Moderate Income Older Adults
Most low-to-moderate income (LMI) older adults are financially challenged to reach retirement and maintain their quality of life as they age. This report showcases research insights and design features that financial service providers can leverage to better support the needs of this group as they approach retirement, produced in partnership with the Institute of Consumer Money Management.
What's New
FinHealth Standards for Spending Management Products: Checking Accounts and Credit Cards
Discover the first evidence-based standards for designing checking accounts and credit cards that support customer financial health.
Financial Health Solutions: Credit Builder Loans and Rent Reporting
A study with Self examines the potential of two credit-building tools for establishing or improving credit scores.
Behavioral science strategies for designing retirement plans
Retirement is top of mind for Americans — and for good reason. Among eight key financial concerns, U.S. adults consistently rank saving for retirement as their number one worry. Yet, despite this awareness, many employees fall short of their savings potential, hindered by complex decisions about how much to contribute or which investments to choose.
What’s Holding Back Consumers From Using AI Financial Tools?
Financial institutions face multiple challenges driving customer adoption of AI financial tools.
Wall Street to Main Street: Who Accesses Non-Retirement Investment Accounts?
A new FinHealth Spend Product Spotlight reveals disparities in ownership of these wealth-building tools.
These little-known bank accounts allow Americans with disabilities to save and invest
An ABLE account lets people people with disabilities save money beyond the $2,000 asset limit that’s linked to benefits like Supplemental Security Income and Medicaid.
How to organize your financial life ahead of natural disasters
If you live in a part of the world prone to wildfires, floods, blizzards, tornadoes, or earthquakes, there are ways you can make sure you’re financially prepared for disaster, beyond insurance.
Improving the Underlying Systems That Shape Financial Decisions
Financial decisions are complex and shaped by many factors. When looking to achieve better outcomes for individuals, financial health solutions need to address decision making from all angles.
Building Financial Health Through Behavioral Design
The Financial Health Network’s Financial Health Pulse® survey has consistently found that between 66% and 72% of households in the U.S. are not Financially Healthy, signaling a continued need for financial institutions to offer solutions that advance the financial health of those they serve.
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