We should not be surprised to see businesses like H&T doing well as living costs continue to rise.
Articles on Payday lending
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Feel like you’re drowning in debt? Owing money can sometimes be challenging, but not all debts should keep you awake at night.
Understanding why people underpredict expenses could help them budget more accurately – and even encourage them to save more money.
Payday lender Cigno has exposed the limitations of ASIC powers intended to protect consumers from harm.
About a quarter of census tracts with a post office lack a credit union or community bank, making the US Postal Service an efficient way to help more Americans get low-cost bank accounts.
Use of installment loans has grown dramatically in recent years – all without the regulatory scrutiny that tamped down on abuses in the payday loan market.
The closure of high street pawnbrokers like Albermarle and Bond might leave many without financial help.
Here are the four common lending practices identified by the Australian inquiry into credit and financial services targeted at those at risk of financial hardship.
Many millions are in need of short-term credit to supplement poor and exploitative pay.
Far too many people in Britain rely on high-cost short-term credit from alternative lenders.
People on the lowest incomes pay the most to borrow money, even when it’s for essentials.
Banking in a highly financialised society like Britain could be seen as akin to a fundamental human right.
Black Friday and Cyber Monday start the frenzy of Christmas spending. Don’t let them lure you in with their deals.
The payday lending sector is under scrutiny again after the Australian Securities and Investment Commission’s investigation into Nimble. After failing to meet responsible lending obligations, Nimble must…
One day, your Facebook posts and Tweets might convince lenders to drop you some cash. Until then, here are five simple ways to help open up the bank vaults.
Despite an emerging market in alternative financial services for people on low incomes, little is really known how these Australians manage their money.
New regulation in the UK shows how payday lending can be done responsibly.
The number of Australians getting caught in a repetitive cycle of payday loans is growing, but in many cases they have little choice.
Before calling for more regulation to combat predatory lending practices, consumer advocates should consider wages and the problem of insecure work.
Consumers will always make ‘irrational’ financial decisions, but behavioural economics could help regulators improve their education role.
Top contributors
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Reader in International Political Economy, King's College London
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Professor of Organisational Behaviour, Bayes Business School, City St George's, University of London
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Coventry University
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Social policy and consumer finance researcher, School of Economics, Finance and Marketing, University of Tasmania
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Professor of Social Policy, University of Birmingham
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Professor of Social Policy / CEO, Centre for Social Impact, UNSW
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Research Fellow - Centre for Social Impact, UNSW
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Visiting Fellow, Macquarie University Applied Finance Centre, Macquarie University
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Professor of Finance, Lancaster University
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Lecturer in Sociology, Robert Gordon University
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Senior Lecturer in Psychology, University of Brighton
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Professor, Marketing, School of Social Sciences, Business and Law, Teesside University
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PhD Candidate - Financial Regulation, Queen's University Belfast
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Visiting Academic, The Open University
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Professor, School of Applied Social Sciences, Durham University