Research

From targeted surveys to tactical consumer studies, our research and analysis provides a foundational understanding of the challenges and opportunities for all sectors to achieve consumer financial health.

Topics

Financial Health

Consumer Financial Health Research

CFSI's research into the financial lives of consumers defines seven financial health segments based upon behaviors and attitudes, going beyond the traditional benchmarks of income, age, education and credit score.

Financial Health Measurement

Eight leading organizations are testing ways to measure and improve financial health, sharing their journey and results through CFSI’s Financial Health Measurement project.

Financial Health Journey

Orienting your business around financial health means expanding your company’s definition of success to include positive outcomes for your customers as well as your business.

Consumer Profiles and Segmentations

Small-Dollar Credit Consumer Profiles

Over 15 million Americans use small-dollar credit -- here’s an in-depth look at their 4 need cases.

Consumer Financial Health Segments

Four segments make up the 57% of Americans that struggle financially (the striving, the tenuous, the unengaged, and the at risk). Understand who they are and what they need.

US Financial Diaries Household Profiles

In-depth storytelling and analysis on 10 low- to moderate-income households across the country, including cash flow and expense charts.

Underserved Market Analysis

Sizing the Financially Underserved Market

Each year, CFSI measures the size, composition, and opportunity of products and services that help people save, spend, borrow, and plan.

Issue Briefs on Consumer Challenges

CFSI highlights important consumer challenges and what it means for financial providers.

Un- and Underbanked Research

Through this series of work CFSI was the first to highlight the history and challenges of the traditionally un- and underbanked.

Consumer Credit

Compass Guide to Credit

We define consumer-friendly credit and outline what “high-quality” credit looks like for financial providers.

Measuring the True Cost of Credit

CFSI goes beyond APR to apply “ability to pay” and “willingness to pay” measures to short-term, small-dollar credit options.

Small Dollar Credit

We’ve been a vanguard in understanding why consumers use payday, pawn, installment loans, and more –- and how to improve the quality of credit offered.

Payments

Applying Compass Principles to Transaction Products

Consumers use a variety of tools to manage their daily lives. Read about our insights in designing consumer-friendly tools.

Prepaid Cards

We define quality, look for innovation, and measure and grade the industry on adoption of consumer-friendly practices.

Payroll Cards

Beginning in 2017, we will define quality and measure and grade the industry on adoption of consumer-friendly practices.

Savings Innovations

Informal Savings

Households often use informal tools that are harder to see from outside, like short-term loans from friends or relatives.

Prize Linked Savings (PLS)

A CFSI-funded seed idea is now available nationwide. Learn how PLS can turn the lottery into a savings mechanism for millions of Americans.

Financial Technology for Social Good

Financial Technology Product

Expanding the Appeal of your Financial Technology Product: 5 strategies to building inclusive financial products.

Consumer Data Sharing

Consumers should have access to their data. Read about our point of view and work with the industry on this critical topic.

FinLab Snapshot

A report analyzing the funding, composition, and product focus of over 350 fintech-for-good businesses and nonprofits.