Relm’s research programmes explore financial literacy through a behavioural science lens. Our work focuses on understanding how individuals make financial decisions, identifying barriers to financial wellbeing, and designing evidence-informed policy and programme interventions.
Relm’s current research programmes include:
Behavioural Barriers to Financial Literacy
This programme investigates the psychological and behavioural factors that limit the effectiveness of financial literacy initiatives. While financial education is widely promoted, many programmes fail to produce meaningful behavioural change. This research explores cognitive overload, present bias, financial anxiety, and decision fatigue as barriers to engagement and learning.
Outputs from this programme include policy briefs, behavioural frameworks, and recommendations for designing more effective financial education interventions.
Evaluating Financial Literacy Programme Effectiveness
This programme examines the impact of financial literacy programmes across different populations. Relm evaluates what works, for whom, and under what conditions. The research focuses on behavioural outcomes rather than knowledge-based measures, including savings behaviour, budgeting habits, and financial decision-making.
Outputs include programme evaluations, behavioural impact reports, and guidance for organisations delivering financial education.
Behavioural Policy Design for Financial Wellbeing
This programme explores how behavioural science can inform financial policy and intervention design. Research focuses on nudges, defaults, choice architecture, and behavioural incentives to improve financial decision-making.
Outputs include behavioural policy recommendations, intervention design frameworks, and applied research for policymakers and organisations.
Relm welcomes partnerships and funding to support ongoing research across these programmes.
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