Good With Limited

In April-June, 2023, one person became insolvent every 5 minutes. Individuals accessing debt charities reported a 25% increase in unsecured debt. Citizens Advice Bureau addressed over 2000 debt issues per day in the year to June 2023 (themoneycharity.org, 2023). This indicates that whilst FS are continuing to provide credit products, repayment likelihood ...

Financial education has been demonstrated to not only relieve financial anxiety and improve confidence in money management, but has also been shown to improve financial capability. This finding is key, as previous work by academic researchers has shown the negative cycle of poor financial capability and poor mental health - those with lower levels of fina...

Mindsets have been proven to be one of the most indicative factors in determining financial risk and a significant barrier to becoming better with money (Money and Pensions Service 'What Works' FinCap Welsh pilot findings) and yet no solution takes mindsets into account when trying to build financial capability. Our approach to financial capability and me...

Several sections of society are systematically underserved by Financial Services (FS) because the methods used to assess their financial risk are outdated, opaque, and reliant on the presence of a credit history. The limitations of the classic credit score are well recognised in the FS industry, however until now there has not been an alternative solution...

**Good With takes a personalised approach to teaching young adults about money with fair, ethical and transparent use of their financial data to develop good credit reputations.** The gig economy, zero-hours contracts and COVID mean Gen Zs (18-24) will be financially worse off than the Great Recession Generation (2008). Financial education platforms that ...