By Country: United Kingdom

Government programmes

• National Strategy for Financial Capability, Financial Services Authority (FSA)
• Pounds and Pence, Bank of England
• Improving financial capability in Africa, Financial Education Fund (FEF), www.financialeducationfund.org 
  the FEF is a new UK Department for International Development (DFID) sponsored challenge fund to catalyse improvements in financial literacy in Africa. The first funding round will be open to eight Sub-Saharan African countries: Botswana, Ghana, Kenya, Namibia, South Africa, Tanzania, Uganda and Zambia. FEF will fund projects from public and private sector that test alternative approaches to building the financial capability of lower-income groups. The FEF is conceived as a multi-donor fund, with an initial start-up capital from DFID of £4 million over three years. DFID is a UK public body leading the British Government's fight against world poverty. For further information: Financial Education Fund (FEF) Fund Management Inception Report, 2 December 2008.
  Projects funded by the FEF in Africa will be announced after March 2009.

Civil society programmes

• Financial education, Personal Finance Education Group (pfeg)
• Financial education services, ifs School of Finance
• MyBnk Programmes, MyBnk

Private sector programmes

• Scotcash, www.scotcash.net (winner of The Guardian public services awards 2008): a social enterprise backed by Glasgow city council together with the city's housing association and the Royal Bank of Scotland, offers the financially excluded not just loans at affordable rates but also access to bank accounts, financial advice and even discounted house hold goods. The city council teamed up with a wide range of public and private partners to provide a one-stop shop offering a variety of services under one roof. The Scotcash team consists of three loan advisers and two money advisers as well as a manager and administrator. Among them they can not only arrange low-interest loans and set up bank and savings accounts but also give advice on budgeting and rescheduling debt for those for whom another loan would be inappropriate. The service, which is open to anyone without financial means, has proved hugely popular. It has received more than 4,500 inquiries i 2008, with 1,500 people being granted new loans worth a total of £819,000. In addition, 319 people have opened basic bank accounts and 140 savings accounts.
• Financial literacy programme, Prudential

Research and articles

• Pru Marriott (2007), An Analysis of First Experience Students' Financial Awareness and Attitude to Debt in a Post-1992 UK University, Higher Education Quarterly, Volume 61 Issue 4 Pages 498-519, October 2007
  
  
• Adele Atkinson (2007), Financial capability amongst adults with literacy and numeracy needs, Personal Finance Research Centre, University of Bristol, January 2007.
  
  
• UK DWP DTI (2006), Tackling over-indebtedness, Annual Report 2006.
  
  
• FSA (2005), Measuring financial capability: an exploratory study, prepared for the Financial Services Authority by Personal Finance Research Centre, University of Bristol, June 2005.
  
  
• FSA (2005), Advice and the best way of delivering it
  
  
• FSA, Financial Risk Outlook
  
  
• Hewitt  Associates LLC (2005), Comment on 2006 Saver Summit, 5 July 2005.
  
  
• SMF Social Market Foundation (2005), A UK Model for Compulsory Pension, 23 November 2005.
  
  
• UK Department for Work and Pensions (2005), Financial education: a review of existing provision in the UK, Research Report No 275.
  
  
• Proshare Organization, a UK not-for-profit subscription organisation that represents member firms involved in employee share plans, www.proshare.org
  
  
• Adele Atkinson (2005), Introducing financial capability skills: A pilot study with Fairbridge West, Bristol, Evaluation Report from the Personal Finance Research Centre, University of Bristol, July 2005.
  
  
• Elaine Kempson (2005), Incentives to Save: Encouraging Saving Among Low-Income Households, Personal Finance Research Centre,University of Bristol, March 2005.
  
  
• Elaine Kempson, Sharon Collard, and Nick Moore (2005), Measuring financial capability: an exploratory study, FSA, June 2005.
  
  
• Elaine Kempson and Sharon Collard (2005), Advice on pensions and saving for retirement: qualitative research with financial intermediaries, Personal Finance Research Centre, University of Bristol, on behalf of the Department for Work and Pensions, Research Report No 289.
  
  
• Sophie Korczyk (2003), Women and Individual Social Security Accounts in Chile, Australia, and the United Kingdom, The Public Policy Institute, AARP, July 2003.
  
  
• UK Adult Financial Literacy Advisory Group (2000), Report to the Secretary of State for Education and Employment, December 2000.

• Jane Voss, (1998), A guide to the provision of financial services education for consumers, FSA, March 1998.