Future finance

This report looks at the root causes of problem debt amongst low-income households in the UK through the lens of their financial capability. For too many years the issues of Financial Inclusion, Financial Education, Financial Capability, Financial Resilience, Affordable Credit and Debt Advice have been studied, and addressed in separate silos. The result is a failure to recognise that people’s needs and the underlying causes of their debt are multi-faceted and change throughout their lives.

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