Relm publishes research-led insights exploring financial literacy, behavioural science, and financial decision-making. Our work examines how individuals interact with financial systems, the behavioural barriers that shape outcomes, and how policy and programme design can be improved using behavioural evidence.
Our publications combine behavioural economics, psychology, and policy analysis to inform organisations, policymakers, and practitioners working to improve financial wellbeing.
We publish:
• Research insights on financial literacy and behavioural science
• Policy commentary on UK financial wellbeing initiatives
• Behavioural analysis of financial decision-making
• Evidence-informed recommendations for programme design
• Thought leadership pieces shaping future research agendas
Upcoming outputs will include policy briefs, research reports, and commissioned studies evaluating financial literacy programmes and behavioural interventions.
For collaboration or commissioned research, please contact Relm directly.
Recent Publications
Scam-Proofing the Next Generation: Why Knowledge Alone Won’t Cut It
Published by Relm Research Ltd | relmresearch.org Behavioural Science | Financial Education | Policy Here is an uncomfortable fact about fraud education: young people already know scams exist. They encounter them constantly, they can often identify them in the abstract, and many will confidently tell you they would never fall for one. And yet, nearly…
Inclusion by Design: Why Financial Education Can’t Outrun Structural Barriers
Published by Relm Research Ltd | relmresearch.org Behavioural Science | Financial Education | Policy There is a telling symmetry in what happened on 5 November 2025. On the same day that the DfE confirmed financial literacy would become a compulsory part of the primary school curriculum from 2028, HM Treasury published something else: a 52-page…
From Statute to Skill: What the 2028 Curriculum Reform Still Has to Prove
Published by Relm Research Ltd | relmresearch.org Behavioural Science | Financial Education | Policy On 5 November 2025, something genuinely significant happened in UK education policy. Professor Becky Francis published the final report of the Curriculum and Assessment Review, and the government responded the same day with a commitment that, for the first time in…
BNPL Comes of Age: What Regulation Reveals About the Skills We Never Taugh
From 15 July 2026, Buy Now Pay Later stops being the unregulated wild west of consumer credit. Lenders such as Klarna and Clearpay must now run affordability checks, offer Section 75 protection, and give customers a route to the Financial Ombudsman Service (Financial Conduct Authority, 2026). It is a significant moment for consumer protection —…
What if Financial Systems Were Designed for How People Actually Think?
Financial systems are often designed under the quiet assumption that individuals make rational decisions, carefully weighing options, comparing costs and selecting the optimal choice that serves their long-term interests. In an ideal world, this theory seems reasonable; however , in practice, financial decisions are rarely made under ideal conditions. People make financial decisions when they…
Why financial literacy needs behavioural science
Moving from Information to Decision-making Financial literacy has been positioned as the cornerstone of financial wellbeing for some time now. Schools, Governments, financial institutions and charities invest heavily in programmes designed to improve understanding of financial concepts such as spending, budgeting, saving and investing. The underlying assumption here being that once knowledge obtained and understood,…
Frameworks
Relm has researched and developed several frameworks that inform our reviews, analysis and research. Our most recent publications have introduced our:
• 7-Dimensional Educational Architechture
• 7-Dimensional Progression Model
• Behavioural Drivers Model (BDM)
These frameworks act as the national cirriculum architechture that can be used to guide programme designers, schools and policymakers – where each framework integrates horizontally or vertically into each other to create a financial capability framework.
Below are the following frameworks. For more details or if you would like to adpot/integrate these frameworks, please get in touch via our contact page.
