TAILIEUCHUNG - Financial Services Authority Financial Capability: A Behavioural Economics Perspective

The Financial Services Authority (FSA) leads the National Strategy for Financial Capability in partnership with Government, the financial services industry and the third sector. The strategy aims to improve the financial capability of the UK population. The results of the FSA’s major financial capability survey1 showed that in 2005, many UK consumers lacked the confidence and capability to make effective decisions about their money. The FSA launched a seven-point programme 2 in March 2006 to improve significantly people’s levels of financial capability and, together with partners, has focused on delivering these priority initiatives. In March 2008, following. | Consumer Research 69 Financial Services Authority Financial Capability A Behavioural Economics Perspective Prepared for the Financial Services Authority by David de Meza Bernd Irlenbusch Diane Reyniers London School of Economics July 2008 FSA Foreword Background The Financial Services Authority FSA leads the National Strategy for Financial Capability in partnership with Government the financial services industry and the third sector. The strategy aims to improve the financial capability of the UK population. The results of the FSA s major financial capability survey1 showed that in 2005 many UK consumers lacked the confidence and capability to make effective decisions about their money. The FSA launched a seven-point programme2 in March 2006 to improve significantly people s levels of financial capability and together with partners has focused on delivering these priority initiatives. In March 2008 following recommendations of the independent Thoresen Review of Generic Financial Advice3 4 HM Treasury announced that the FSA will also lead a two-year Pathfinder programme to set up a service offering free impartial information and guidance on money matters. Over time improving people s financial capability will not only benefit them directly but also enable them to exert a stronger influence in the retail markets creating more effective and efficient markets and reducing the need for regulatory intervention. Measuring success - the challenge of evaluation The FSA financial capability survey measured different types of financial behaviour and attitudes in five key areas making ends meet keeping track of money planning ahead choosing products and staying informed across the UK population. This survey is due to be repeated in 2010 and every four to five years thereafter. Improvements in the level of financial capability require a long-term change in attitudes habits and behaviour towards money. The National Audit Office has recognised that measuring those changes is .

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