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FINANCIAL CAPABILITY RESEARCH IN AUSTRALIA March 2020 . Financial capability research in Australia . Roslyn Russell, Jozica Kutin & Tracey Marriner . School of Economics, Finance& Marketing
IMPACT OF COVID-19 ON FINANCIAL WELLBEING In financial difficulty 34 per cent of respondents (equivalent to 608,000 households) were experiencing financial difficulty. Almost all said that it was a struggle to pay bills and meet other commitments. HOW FAMILIES TEACH CHILDREN ABOUT MONEY UNDERSTANDING FINANCIAL EDUCATION WITHIN THE HOME PAGE 3 OF 40 Introduction Money Advice Service (MAS)1 research showed that adult financial capability is linked to what is seen, learned and experienced in childhood and adolescence.2 There is a growing appreciation of the importance of financial education – and that it needs to start early. FACTORS THAT INFLUENCE FINANCIAL CAPABILITY AND Factors that Influence Financial Capability and Effectiveness: Exploring Financial Counsellors’ Perspectives Abstract The financial capability of the community has become a topical issue in recent yearsaround the globe.
HOME | FINANCIALCAPABILITY.GOV.AUHOMECONTACT A website for people working to improve the financial capability and wellbeing of Australians that lists events, research and programs across Government, financial services, business, not-for-profit organisations and the formal education sector. FINANCIAL CAPABILITY STRATEGY About the National Financial Capability Strategy. When more Australians are in control of their financial lives, everyone benefits. Collaboration across the government, business, community, education and research sectors to support strong financial capabilities in individuals, families and in communities makes adifference.
FINANCIAL CAPABILITY RESEARCH IN AUSTRALIA March 2020 . Financial capability research in Australia . Roslyn Russell, Jozica Kutin & Tracey Marriner . School of Economics, Finance& Marketing
IMPACT OF COVID-19 ON FINANCIAL WELLBEING In financial difficulty 34 per cent of respondents (equivalent to 608,000 households) were experiencing financial difficulty. Almost all said that it was a struggle to pay bills and meet other commitments. HOW FAMILIES TEACH CHILDREN ABOUT MONEY UNDERSTANDING FINANCIAL EDUCATION WITHIN THE HOME PAGE 3 OF 40 Introduction Money Advice Service (MAS)1 research showed that adult financial capability is linked to what is seen, learned and experienced in childhood and adolescence.2 There is a growing appreciation of the importance of financial education – and that it needs to start early. FACTORS THAT INFLUENCE FINANCIAL CAPABILITY AND Factors that Influence Financial Capability and Effectiveness: Exploring Financial Counsellors’ Perspectives Abstract The financial capability of the community has become a topical issue in recent yearsaround the globe.
MEASURING THE IMPACT OF FINANCIAL CAPABILITY Many people and organisations are working across Australia to improve financial capability and deliver on the vision of the National Financial Capability Strategy. IMPACTS OF COVID-19 ON FINANCIAL WELLBEING COVID-19 impacts on financial wellbeing 6 o The ONS reported 16% of adults in Great Britain have struggled to pay bills such as food and energy14 (based on thdata from 17 -27th April); o Ipsos MORI and KCL15 found 22% of people reported they already c } µ od [ afford essential items or housing costs, or thought they would be certain/very likely to during the crisis; and, YOUNG ADULTS AND MONEY MANAGEMENT Foreword Young adults leaving school, college or university and entering the workplace face many changes and challenges. Money is an important part of how young adults feel A TOOLKIT FOR THE EVALUATION OF FINANCIAL CAPABILITY A major initiative under the World Bank’s Russia Financial Literacy and Education Trust Fund is the development Toolkit, which provides methodological guidance MAPPING AND NEEDS ASSESSMENT 2 UDC 314.7:331.556 FINANCIAL LITERACY FOR MIGRANTS: MAPPING AND NEEDS ASSESSMENT: Research Report.- Yerevan: Asoghik, 2020.- 48 pages. ISBN978-9939-50-467-4
ADULT FINANCIAL LITERACY IN AUSTRALIA ANZ is pleased to present the fourth Survey of Adult Financial Literacy in Australia. The 2011 Survey captures the complexity of financial literacy to a greater extent than previous AUSTRALIAN FINANCIAL ATTITUDES AND BEHAVIOUR TRACKER Australian Financial Attitudes and Behaviour Tracker Key findings report: Wave 6 - Sep 2017-Feb 2018 | 6 Planning ahead – planning for the medium and longer term, including retirement and beyond Less than half Australians have a three to five year financial plan, with around one in four having a IMPROVING OUTCOMES FOR CUSTOMERS IN VULNERABLE CIRCUMSTANCES Improving outcomes for customers in vulnerable circumstances February 2016 About the BBA The BBA is the leading trade association for the UKbanking sector with
CORE COMPETENCIES FRAMEWORK ON FINANCIAL LITERACY FOR YOUTH This document contains an outcome-based core competencies framework on inancial literacy for youth. It is a policy tool, providing guidance on the typical outcomes of beneit to youth THE CUSTOMER JOURNEY THROUGH RETIREMENT PLANNING table of contents melbourne business school | 2 3 executive summary 6 introduction 9 customer journey mapping through the retirement planning ecosystem 13 method 14 focus groups 18 key informant interviews 21 customer journey mapping of the australian retirement planning ecosystem 39 overarching themes 49 conclusion and next steps 49 expressions of interest – roundtable forum HOME | FINANCIALCAPABILITY.GOV.AUHOMECONTACT A website for people working to improve the financial capability and wellbeing of Australians that lists events, research and programs across Government, financial services, business, not-for-profit organisations and the formal education sector. FINANCIAL CAPABILITY STRATEGY The National Financial Capability Strategy 2018 was developed through wide consultations with Australia’s financial capability community in 2017 and 2018. The Strategy builds on the foundation of Australia's prior financial literacy strategies, the National Financial Literacy Strategy 2014-17 (2.0 MB), and the National Financial Literacy FINANCIAL CAPABILITY RESEARCH IN AUSTRALIA March 2020 . Financial capability research in Australia . Roslyn Russell, Jozica Kutin & Tracey Marriner . School of Economics, Finance& Marketing
IMPACT OF COVID-19 ON FINANCIAL WELLBEING In financial difficulty 34 per cent of respondents (equivalent to 608,000 households) were experiencing financial difficulty. Almost all said that it was a struggle to pay bills and meet other commitments. IMPACTS OF COVID-19 ON FINANCIAL WELLBEING COVID-19 impacts on financial wellbeing 6 o The ONS reported 16% of adults in Great Britain have struggled to pay bills such as food and energy14 (based on thdata from 17 -27th April); o Ipsos MORI and KCL15 found 22% of people reported they already c } µ od [ afford essential items or housing costs, or thought they would be certain/very likely to during the crisis; and, NATIONAL FINANCIAL CAPABILITY STRATEGY 2018 The 2018 National Strategy was the product of detailed and ongoing consultation with the financial capability community and draws on evidence from previous strategies HOME | FINANCIALCAPABILITY.GOV.AUHOMECONTACT A website for people working to improve the financial capability and wellbeing of Australians that lists events, research and programs across Government, financial services, business, not-for-profit organisations and the formal education sector. FINANCIAL CAPABILITY STRATEGY The National Financial Capability Strategy 2018 was developed through wide consultations with Australia’s financial capability community in 2017 and 2018. The Strategy builds on the foundation of Australia's prior financial literacy strategies, the National Financial Literacy Strategy 2014-17 (2.0 MB), and the National Financial Literacy FINANCIAL CAPABILITY RESEARCH IN AUSTRALIA March 2020 . Financial capability research in Australia . Roslyn Russell, Jozica Kutin & Tracey Marriner . School of Economics, Finance& Marketing
IMPACT OF COVID-19 ON FINANCIAL WELLBEING In financial difficulty 34 per cent of respondents (equivalent to 608,000 households) were experiencing financial difficulty. Almost all said that it was a struggle to pay bills and meet other commitments. IMPACTS OF COVID-19 ON FINANCIAL WELLBEING COVID-19 impacts on financial wellbeing 6 o The ONS reported 16% of adults in Great Britain have struggled to pay bills such as food and energy14 (based on thdata from 17 -27th April); o Ipsos MORI and KCL15 found 22% of people reported they already c } µ od [ afford essential items or housing costs, or thought they would be certain/very likely to during the crisis; and, NATIONAL FINANCIAL CAPABILITY STRATEGY 2018 The 2018 National Strategy was the product of detailed and ongoing consultation with the financial capability community and draws on evidence from previous strategies MEASURING THE IMPACT OF FINANCIAL CAPABILITY In 2019-2020, ASIC worked with Social Ventures Australia (SVA) to develop a shared impact (or outcomes) framework to support the monitoring and evaluation of financial capability initiatives in Australia. SVA first undertook a literature review to understand the financial capability landscape and relevant outcomes frameworks.RESEARCH ARCHIVE
Levels of Financial Capability in the UK: Results of a Baseline Survey. Prepared for the Financial Services Authority, by Adele Atkinson, Stephen McKay, Elaine Kempson and Sharon Collard, Personal Finance Research, University of Bristol. November 2005. MAPPING AND NEEDS ASSESSMENT 2 UDC 314.7:331.556 FINANCIAL LITERACY FOR MIGRANTS: MAPPING AND NEEDS ASSESSMENT: Research Report.- Yerevan: Asoghik, 2020.- 48 pages. ISBN978-9939-50-467-4
CORE COMPETENCIES FRAMEWORK ON FINANCIAL LITERACY FOR 2 1.2 Key components of the Framework The Framework is outcome-based and covers seven Content Areas on which retail investors are encouraged to build their competencies: 1. Basic investing principles and concepts: the broad underlying principles of investing. 2. FEDERAL FINANCIAL LITERACY REFORM: COORDINATING AND iv Federal Financial Literacy Reform: Coordinating and Improving Financial Literacy Efforts Section 3: Best Practices for Delivery of Financial Literacy and Education 54 Introduction 54 Know the Individuals and Families to be Served 54 ADULT FINANCIAL LITERACY IN AUSTRALIA ANZ is pleased to present the fourth Survey of Adult Financial Literacy in Australia. The 2011 Survey captures the complexity of financial literacy to a greater extent than previous AUSTRALIAN FINANCIAL ATTITUDES AND BEHAVIOUR TRACKER Australian Financial Attitudes and Behaviour Tracker Key findings report: Wave 6 - Sep 2017-Feb 2018 | 6 Planning ahead – planning for the medium and longer term, including retirement and beyond Less than half Australians have a three to five year financial plan, with around one in four having a THE FINANCIAL LITERACY OF YOUNG AUSTRALIANS: AN EMPIRICAL consumer behaviour. As financial literacy is a relatively new policy area, ASIC recognises the importance of research and program evaluation in the foundational years of the National Strategy.17 Further, a key dimension of the partnership model of the National Strategy, which includes the THE CUSTOMER JOURNEY THROUGH RETIREMENT PLANNING table of contents melbourne business school | 2 3 executive summary 6 introduction 9 customer journey mapping through the retirement planning ecosystem 13 method 14 focus groups 18 key informant interviews 21 customer journey mapping of the australian retirement planning ecosystem 39 overarching themes 49 conclusion and next steps 49 expressions of interest – roundtable forum NATIONAL FINANCIAL LITERACY STRATEGY 2014–17 2 National Financial Literacy Strategy 2014–17 2014–17 Strategy: An overview The 2014–17 Strategy aims to improve the financial wellbeing of Australians by advancing their financial literacy. __Toggle menu Financial Capability Home* Home
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FINANCIAL
CAPABILITY
AUSTRALIANS IN CONTROL OF THEIR FINANCIAL LIVES The Government is committed to lifting Australia's financial capability, empowering Australians to make the most of their financialresources.
AUSTRALIANS' FINANCIAL ATTITUDES AND BEHAVIOURS* __ 59 % Pay their credit card balance in full each month __ 77 % Had a budget in the past 6 months __ 40 % Understand the concept of diversification __ 53 % Pay more than the minimum amount due on their mortgage *Australian Financial Attitudes and Behaviour Tracker, Wave 6, 2018 __Go to next section FINANCIAL CAPABILITY AGENDA Australia's Financial Capability strategy is being refreshed. If you are a practitioner, educator, researcher, policy maker, academic or other professional who is interested in financial capability, Treasury would like to hear from you. What do you think a financially capable Australia looks like and how can we make it a reality? To find out more about this process or to get involved, email FinancialCapability@treasury.gov.auClose
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STRATEGY
NATIONAL FINANCIAL CAPABILITY STRATEGY The National Financial Capability Strategy informs and drives actions to improve the financial capability of Australians. The National Strategy identifies three behavioural areas in which Australians can be empowered to take control of their financial lives: * Managing money day-to-day * Making informed money decisions * Planning for the futureRead the Strategy
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IMPACT
MEASURING THE IMPACT OF FINANCIAL CAPABILITY Many people and organisations are working across Australia to improve financial capability and deliver on the vision of the National Financial Capability Strategy. We do this work because we believe it makes a difference to the wellbeing of people and communities. But how do we decide what changes we are working towards, and how do we measure the impact of this work?Find out more
WHAT IS AUSTRALIA DOING? The below organisations deliver initiatives aligned to the National Strategy that empower Australians to be in control of their financial lives. Jump forward over Organisations logos Australian Competition & Consumer Commission Australian Defence Force Financial Services Consumer Centre Australian Financial Security Authority Australian Securities and Investments Commission Australian Taxation OfficeAustralian Treasury
Department of Agriculture and Water Resources Department of Communities, Disability Services and Seniors QLD Department of Human Services Department of Social ServicesFair Work Ombudsman
Government of South Australia Indigenous Business AustraliaLegal Aid NSW
Legal Aid Queensland Legal Services Commission of South Australia Queensland Government Reserve Bank of Australia State Government of Victoria ABS Institute of Management Association of Financial Advisers Association of Superannuation Funds of Australia Limited Australia and New Zealand banking group Australian and New Zealand Institute of Insurance and Finance Australian Banking Association Australian Retail Credit AssociationBank Australia
Beyond Bank
Chartered Accountants Australia and New ZealandCHOICE
Commonwealth Bank of Australia Commonwealth Superannuation Corporation Credit Union Australia Customer Owned Banking AssociationEY
Financial Planning Association Financial Services Council Flight Centre Travel GroupHESTA
Horizon Credit UnionHume Bank
Institute of Public Accountants Insurance Australia Group Insurance Council of AustraliaME Bank
MLC
National Australia Bank National Insurance Brokers AssociationQsuper
RACQ
Self Managed Super Funds AssociationSmartSteps
Spriggy
Suncorp Group
Sunsuper
Teachers Mutual BankThe Good Guys
Verve Super
VicSuper
Westpac
Westpac Davidson InstituteADA Australia
Anglican Community CareAnglicare NT
Anglicare SA
Australian Business and Community Network Australian Financial Complaints Authority Australian Shareholders AssociationAutism CRC
BaptistCare NSW & ACTBenevolent Society
Berry Street Victoria Brotherhood of St Laurence Business Foundations Care Financial Counselling Service Casey North Community Information and Support Service Centacare Catholic Country SA Limited Christian Community Aid Christians Against Poverty Australia Consumer Action Law Centre Consumer Credit Legal Service WA Country Women’s Association of Australia Country Women's Association of NSWDeloraine House Inc
Devonport Community House Economics and Business Educators NSWEcstra
Financial and Consumer Rights Council Inc Financial Basics Foundation Financial Counselling Australia Financial Counsellors' Association of NSW Financial Rights Legal Centre Financial Toolbox Inc. First Nations FoundationForesters Group
Foundation for Young Australians George Street Neighbourhood Centre Girl Guides AustraliaGlobal Sisters
Good Return
Good Shepherd Australia New Zealand Good Shepherd MicrofinanceHobart City Mission
Hope City Mission
Indigenous Consumer Assistance NetworkJA Australia
Jacaranda Community Centre IncJewish Care
Kids Can
Lutheran Community Care Many Rivers Microfinance Midland Information, Debt and Legal Advocacy ServiceMoneyMob
Multilink Community Services National Debt Helpline National Older Women's Network - Australia Northern Rivers Community Gateway Participate Australia Redfern Legal Centre Rural Financial Counselling Service North Queensland Seniors Rights Victoria St Vincent de Paul SocietyThe Ethics Centre
The NILS Network of Tasmania The Salvation Army - Eastern AustraliaThe Smith Family
The Spiers Centre
Thriving Communities Partnership UnitingCare Queensland UnitingCare Wesley BodenUnitingCare West
Uniting Kildonan
Wesley Mission
Women's Health Goulburn North East Women's Health in the North Women's Information and Referral Exchange Inc. Women's Legal Service TasmaniaWunan Foundation
Australian National University Australian Primary Principals' Association Australian Secondary Principals' Association Centre for Social Impact, UNSWDeakin University
Flinders University Student AssociationGriffith University
ICAN Learn
La Trobe University, Student Union Macquarie UniversityQuitch
RMIT University
Swinburne University of TechnologyTAFE SA
The University of Adelaide - Adelaide Business School The University of Melb, Vic - Dept of Finance and Melb GraduateSchool of Education
The University of Newcastle The University of Sydney Business School The University of Western Australia Business School University of Canberra University of South Australia University of Technology Queensland - Indigenous Research andEngagement Unt
University of Technology Sydney - Business School Western Sydney University - School of Business Jump backwards over Organisations logosRESEARCH
July 2020
THE EXPERIENCES OF OLDER CONSUMERS: TOWARDS MARKETS THAT WORK FORPEOPLE
Consumer Policy Research CentreJuly 2020
EXPLORING REGULATORY APPROACHES TO CONSUMER VULNERABILITY Consumer Policy Research CentreJuly 2020
INTERNATIONAL SURVEY OF ADULT FINANCIAL LITERACYOECD
June 2020
CONSUMERS AND COVID-19 Consumer Policy Research CentreJune 2020
INCOME IN CRISIS
Money and Mental Health Policy InstituteJune 2020
IMPACTS OF COVID-19 ON FINANCIAL WELLBEING Money and Pensions ServiceMay 2020
IMPACT OF COVID-19 ON FINANCIAL WELLBEING Commission for Financial CapabilityMay 2020
ECONOMIC SECURITY AND DIGNITY: A FINANCIAL WELLBEING FRAMEWORK Brotherhood of St LaurenceMay 2020
THE FINANCIAL RESILIENCE OF HOUSEHOLDS: 22 COUNTRY STUDY The London School of Economics and Political ScienceMay 2020
MEASURING FINANCIAL ACCESS – 10 YEARS OF THE IMF FINANCIAL ACCESSSURVEY
International Monetary FundMay 2020
FINANCIAL LITERACY FOR MIGRANTS – MAPPING NEEDS ASSESSMENT CRRC Armenia and Central Bank of ArmeniaMay 2020
THE FINANCIAL COMPETENCY MATRIX FOR ADULTS – A POLICY FRAMEWORK Alliance for Financial InclusionResearch Archive
WHAT'S NEW
REFOCUSSING AUSTRALIA’S APPROACH TO FINANCIAL CAPABILITY In the 2020-21 Budget, the Australian Treasury became responsible for financial capability policy and coordination. The Government has provided Treasury with $7.1 million over four years to lead a refocused national approach to financial capability and drive significant improvement in Australia’s financial capability acrossall life stages.
ECSTRA GRANT ROUND
Ecstra is committing $23m in 2020-2023 to support the National Financial Capability Strategy including through an extensive grants program, awareness and education campaigns, strategic partnerships, measurement and evaluation frameworks, research funding and short-term capacity funding in response to COVID-19.ABOUT
The Financial Capability website is managed by the Australian Treasury , as the lead Australian Government agency for financial capability. Treasury is the Government’s pre-eminent economic adviser. This is a significant responsibility which relies on our professionalism, judgment and expertise in providing advice to the Government that supports the effective management of the Australian economy.__Go back to top
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