Product Insights

Payments

While innovation has led to many new options for consumers to instantly spend and receive money, these tools remain out of reach for millions who are underbanked or struggling to access their funds efficiently and affordably. Learn about the Financial Health Network’s enduring commitment to frictionless transactions for all, plus research and resources for providers seeking to improve payments for their customers and communities.

Featured Content

Payments

Solving the Cash Crunch

财务健康万博电竞怎么玩网络揭示三种方式providers can help small businesses access check funds and manage cash flow successfully.

Financial Health Pulse

Consumer Data

U.S. Financial Health Pulse: 2018 Baseline Survey Results

In this initial study, the Financial Health Network reveals how we’re faring financially and the trends shaping our financial health.

Explore

Market Analysis

2022 FinHealth Spend Report Marks First-Ever Decline in Ten Year History of Tracking Fees and Interest Paid for Everyday Financial Services

Reduction attributed to student loan debt moratorium, pandemic-related decline in credit card debt and government stimulus funds allowing many to avoid high-cost lending; but underserved populations still pay greater proportion of fees and number of factors indicate likely rise in year ahead.

Market Analysis

FinHealth Spend Report 2022

This year’s annual FinHealth Spend Report examines how households in America managed their finances and accessed credit during the second year of the pandemic, analyzing year-over-year trends for more than two dozen financial products and services.

Credit

Financial Health Network Releases New Research Finding that Financially Vulnerable Consumers Most Likely to Use and Struggle With Repaying Buy Now, Pay Later Loans

Data also shows overwhelming majority of users understand terms and are successfully using the product.

Credit

Buy Now, Pay Later: Implications for Financial Health

In this brief, we leverage findings from a nationally representative survey to better understand the buy now, pay later (BNPL) market, the users who are driving it, and the implications for their financial health.

Consumer Data

The Financial Health Network Announces Child Tax Credit Research

Challenges continue to impede the distribution of Child Tax Credit payments, especially for those who could benefit from them the most. The Financial Health Network will undertake research, supported by VISA, to determine how long CTC recipients might have waited to receive their payment, how much they might have spent in fees to access their payment, and how they ultimately used their payment.

Consumer Data

Consumers Use Stimulus to Pay Utilities, Catch Up on Credit Card Debt: A Conversation with doxo

Thea Garon, Senior Director of the Financial Health Pulse, interviews Liz Powell, Head of Marketing Communications & Insights at doxo, on how stimulus payments and tax refunds influence consumer activity.

Financial Services

Earned Wage Access and Direct-to-Consumer Advance Usage Trends

One in five families has less than two weeks of liquid savings. For the many U.S. workers living paycheck to paycheck, financial distress can occur in the time between earning and accessing wages.

Payments

Credit Union Technology Watch: 5G Networks

Emerging 5G technology is expected to become commonplace. Uncover opportunities to leverage 5G to benefit your organization and your members.

Payments

研讨会:解决现金短缺:帮助小布鲁里溃疡sinesses Access Check Funds Faster

Watch a presentation and discussion about the challenges that checks place on small business cash flow as small organizations wait for personal and business checks to clear.