Funded by the Aviva Foundation, we have partnered with The ClearScore Group to launch a year-long study which aims to quantify the impact of Financial Education on Financial Wellbeing and creditworthiness. Designed by the Centre on Household Assets and Savings Management (CHASM) at the University of Birmingham, the study will use the Field Trial methodology, a gold-standard evaluation technique that allows them to assess the causal impact of our Financial Wellbeing content.

Around 9,500 ClearScore users are expected to take part in the study. Participants will be randomly assigned into one of four routes: a chat route, a storyboard with videos route, a webinar route or a control route. As part of the research, we developed content used across the three routes with the control route only seeing existing ClearScore content.

Participants will then be asked to complete a survey at the start and end of the study to understand their current feelings about money and if this has changed following the education received. Other key indicators such as credit scores will also be collected to measure any changes in financial behaviour and potentially creditworthiness.

A small pilot took place in January 2026 to test the set up processes in preparation for the full study which launched in April 2026.

This ground-breaking research will help advance academic understanding and provide robust evidence that can be used to shape future practices amongst stakeholders seeking to improve financial capability, wellbeing creditworthiness and potentially provide increased access to cheaper credit. We look forward to sharing key findings towards the end of 2026!

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