Latest Publications

Latest Publications:

Publication

Banking on access: Ensuring access to banking in a digital age

The shift towards digital banking, accelerated by the pandemic, creates many opportunities and offers benefits for the economy as a whole – but also brings with it some risks. This report explores future access to retail banking services, and the best way to ensure any such changes take place fairly and sustainably, and no one is left behind.
Published: 22 June 2022
Author(s): Scott Corfe, Richard Hyde, Bill Anderson-Samways
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Publication

Extending credit: Understanding pawnbroking customers’ options

Around 350,000 people use pawnbroking services each year, but the industry is in decline. This report builds a picture of why pawnbroking customers' use the service, how satisfied they are with it, and, crucially, what they would do if it were to vanish from the credit market.
Published: 19 April 2022
Author: Jake Shepherd
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Publication

Where next for the private rented sector?

This report seeks to understand how the private rented sector might develop in the years to come, on the basis of a nationally representative survey of 1,376 adults in rented accommodation, and modelling of possible future trajectories for the housing market. Our survey finds a clear appetite from renters for policy action – both to improve the experience of renting and to help more renters to buy.
Published: 14 March 2022
Author(s): Amy Norman, Aveek Bhattacharya
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Publication

A Guiding Hand: Improving access to pensions advice and guidance

This report calls on the Government to improve access to and quality of pensions advice and guidance to reduce the risk of financial harm caused by under-saving as well as sub-optimal decisions made at the point of decumulating a pension pot.
Published: 23 February 2022
Author(s): Scott Corfe, Matthew Oakley, Joe Ahern
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Publication

Banking on change: Expanding the role of banks and building societies in supporting financial resilience

This briefing paper explores the role that banks and building societies can play in bolstering financial resilience and improving outcomes for vulnerable customers. It calls for financial institutions to be made to compete with each other on providing quality financial wellbeing services, and ultimately empower customers.
Published: 16 February 2022
Author: Scott Corfe
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Publication

Capital concerns: Poverty in London and the role of business in helping tackle it

This report calls attention to the scale of in-work poverty in the UK and London today, what drives it, and the impact it has. It is a part of a wider project – created in partnership with Trust for London - to develop a new benchmark that helps businesses tackle in-work poverty.
Published: 23 January 2022
Author(s): Richard Hyde, Jake Shepherd
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Publication

Banking on building back better – How can a stakeholder economy help rebuild the UK after COVID-19?

This essay series, collected in partnership with the Chartered Banker Institute, re-evaluates the concept of the stakeholder economy in light of the economic and social shockwaves delivered by the Coronavirus pandemic.
Published: 16 March 2021
Author: Social Market Foundation
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Publication

Safe as houses: strengthening the UK’s mortgage safety net

This report explores the subject of “mortgage safety nets” - support for mortgage-holders in the event of loss of income or employment.
Published: 25 February 2021
Author(s): Scott Corfe, Amy Norman, Jake Shepherd
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Publication

Time for savings auto-enrolment?

This paper argues that policymakers should introduce a savings auto-enrolment scheme to help bolster financial resilience amongst low-paid workers.
Published: 18 October 2020
Author: Scott Corfe
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