Using customer segmentation to boost financial inclusion
How organisations can use the Fair4All Finance segmentation model to drive change and better serve more people in financially vulnerable circumstances Our customer segmentation model was first released in 2022 and updated in 2024. It identifies over 20m people in financially vulnerable circumstances across six distinct segments, many of whom are currently under-served or excluded […]
Blog: Building financial resilience through saving
In tough times many people can turn to financial safety nets like savings, credit cards or an overdraft at affordable rates. But for the 20.3m people living in financially vulnerable circumstances across the UK these options are often out of reach. And with nearly one in three families in Britain having less than £1,000 in […]
Blog: The long journey to the No Interest Loan Scheme
Sian Williams is CEO of Switchback, and previously Director of Policy and Innovation at Toynbee Hall. Sian is a long-time advocate and champion of NILS and has been instrumental in the design and delivery of the scheme. ‘True progress begins with something no knowledge economy can produce: wisdom about what it means to live well.’ […]
Blog: Learnings for the UK from international experience of credit market reform and the rise of illegal lending
This blog is taken from written material supplied to us by Anna Ellison and Martin Coates from Policis. For presentation purposes to limit the size, Fair4All Finance has edited and abridged the original supplied text. Analysis by Policis was based on 10.4million actual loan transactions representing a significant share of the USA online small sum […]
No Interest Loan Scheme hits £10m lending milestone
Today Fair4All Finance announces hitting a £10m milestone in the provision of affordable credit to people in financially vulnerable circumstances through the No Interest Loan Scheme (NILS) pilot. This means that £10m of new credit has been made available and is being lent to people in financially vulnerable circumstances who, without this intervention, would have […]
Why the shape of the market is as important as its size
In our latest video our Credit and Consumer Markets Lead Niall Alexander explores how access to credit has changed, and why the shape of the credit market is just as important as its size. While talk of the cost of living crisis may have quietened down in the media, it is still a daily reality […]
Fair4All Finance Leadership Programme: Strategic Planning and Change – applications now open
Our Strategic Planning and Change Leadership Programme is designed to empower leaders within the community finance sector with the essential skills for strategic planning, managing change and to fulfil the ambitions they may have for their organisation. As part of our commitment to making the financial system fairer for everyone, Fair4All Finance, in partnership with […]
Blog: Encouraging and enabling investment in affordable credit
How do we encourage and enable investment in affordable credit? One of our key priorities at Fair4All Finance is increasing access to affordable credit, and we’re doing this through our affordable credit scale up programme, and more recently our Community Finance Resilience Fund. However a key aspect of this work is encouraging further investment – […]
No Interest Loan Scheme pilot: Interim report shows positive impacts for the pilot so far
A new report on Fair4All Finance’s ongoing No Interest Loan Scheme (NILS) pilot provides the evidence that the scheme is helping people in financially vulnerable circumstances, and has the potential to help many more. PwC’s latest analysis of NILS covers a total of nearly 4,000 loans, with a total value of £2.1m – at an […]
Lived experience and how organisations can harness it to make a real difference
In the first of our Building Financial Inclusion Together blog series, we hear from Michael Hilton of Three Hands Insight on the power of lived experience and how organisations can harness it to make a difference Looking out at the packed hall at the Fair4All Finance Financial Inclusion conference I wondered if the lived experts […]
Fair4All Finance announce new CEO
After a process that saw over 100 applications for the role, we are delighted to announce Kate Pender as our new CEO. Kate has been working with Fair4All Finance since we were formed in 2019, leading our work on growing the resilience and capability of community finance lenders. Most recently, Kate has been leading the […]
Six takeaways from our Building Financial Inclusion Together conference
On 9 July, more than 200 guests from across financial services, community finance, public sector and third sector organisations gathered in London for Fair4All Finance’s first Building Financial Inclusion Together conference. As well as speakers from organisations including Lloyds Banking Group, NatWest Group, Shawbrook Bank and Yorkshire Building Society, attendees heard from panellists with lived […]