Publications

In Europe, despite practically universal financial inclusion, financial health indicators reveal much room for improvement. The key lies in offering education, incentives, and advice to create saving habits and promote informed decision-making.

The National Financial Inclusion Policy 2020-2024 set a goal of going from 68.3% of adults (18 to 70) with at least one financial product in 2018 to 77.2% in 2024. In this press article we analyze the available information to see if there is evidence that allows us to infer the achievement of this goal.

This note contains some relevant characteristics and results of the recently published National Survey on Financial Health (Ensafi) 2023, carried out to understand all the aspects that can define the state of financial health of adults in Mexico.

There is an important need to promote the pension culture in the country. In this press release, some indicators on retirement savings in the Mexican adult population are reviewed.

There is consensus on an economic slowdown in Europe in the coming months, and Spain will be no exception. This is compounded by the evolution of inflation and the rise in the cost of credit. The question arises as to how households are coping with this situation according to their concerns and saving and spending habits.

We presented the results of a Randomized Control Test (RCT) to people who received nudges through SMS in order to promote financial health variables. The target population was about 95,000 people in two age groups: 27 to 38 and 39 to 56 years old.

A year and a half after the pandemic began, the COVID-19 has highlighted the importance of households having the financial resilience to tackle the economic consequences of a scenario of high uncertainty.

With Covid-19, it is not only necessary to take care of physical health, but also financial health, mainly because we are exposed to negative variations in income. The note presents recommendations in case of being under these variations.