RELM.

Relm Research Ltd. is pleased to announce the forthcoming publication of its first White Paper, Financial Education in Schools, released Monday 7th September 2026.

This paper presents a qualitative policy analysis examining the structural adequacy of financial education provision within the United Kingdom’s current curricular framework. Drawing on peer-reviewed academic literature, regulatory publications from the Financial Conduct Authority and the Money and Pensions Service, and international benchmarking data from the OECD’s PISA financial literacy assessments, the paper identifies five principal shortcomings in the UK’s existing integrated delivery model: fragmented curriculum ownership, overreliance on knowledge-based instruction, insufficient experiential learning provision, inadequate specialist teacher training, and structural dependence on external, non-statutory providers.

The paper further situates UK provision within a comparative international context, examining the structural characteristics of higher-performing systems in Estonia, Australia, Canada, and Singapore, and proposes Relm’s 7-Dimensional Model for Financial Education and accompanying 7-Dimensional Progression Model as a national curriculum architecture capable of addressing the identified gaps.

Central to the paper’s argument is the contention that financial capability is a behavioural, rather than purely cognitive, competency — one that integrated, time-constrained delivery is structurally unable to develop. Accordingly, the paper concludes that financial education should be reconstituted as a standalone curricular subject ahead of the anticipated 2028 curriculum reforms, and offers five corresponding policy recommendations for phased implementation.

The full White Paper, including methodology and complete reference list, will be available to download from relmresearch.org/publications from Monday 7th September 2026.

For research collaboration or partnership enquiries, please contact Relm Research directly via the website.