This article reports the results of a qualitative survey of 40 financial literacy programs in the... more This article reports the results of a qualitative survey of 40 financial literacy programs in the United States, conducted by Michelle Coussens of the Federal Reserve Bank of Chicago, Research Department, and relates these results to three hypotheses of program evaluation and impact.
This article is one in a series of PNV articles regarding a portfolio of applied research project... more This article is one in a series of PNV articles regarding a portfolio of applied research projects pertaining to financial training. The ultimate goal of these projects is to develop an approach to financial education that will better inform consumers and lead to measurable changes in personal and household financial management. The research portfolio’s focus is on designing new approaches that move beyond traditional financial literacy training, drawing on the fields of cognitive psychology, anthropology and behavioral economics. This article provides background on the financial literacy field, along with a discussion of the role of expanded knowledge in changing behavior.
This article reports the results of a qualitative survey of 40 financial literacy programs in the... more This article reports the results of a qualitative survey of 40 financial literacy programs in the United States, conducted by Michelle Coussens of the Federal Reserve Bank of Chicago, Research Department, and relates these results to three hypotheses of program evaluation and impact.
This study explores the connections between insurance, wealth building/wealth preservation, and a... more This study explores the connections between insurance, wealth building/wealth preservation, and access to financial services (hereafter financial access) for low- and moderate-income consumers. It examines the needs, attitudes, and practices that these consumers have regarding insurance, and considers whether and how information or more direct access to insurance might complement the strategies and goals of organizations that help low-wealth consumers to build and protect their assets. Many of the same population groups who are less likely to use mainstream financial institutions are also less likely to have various types of insurance, although these populations may be particularly vulnerable to financial setbacks that could (potentially) be mitigated by insurance.
This article reports the results of a qualitative survey of 40 financial literacy programs in the... more This article reports the results of a qualitative survey of 40 financial literacy programs in the United States, conducted by Michelle Coussens of the Federal Reserve Bank of Chicago, Research Department, and relates these results to three hypotheses of program evaluation and impact.
This article is one in a series of PNV articles regarding a portfolio of applied research project... more This article is one in a series of PNV articles regarding a portfolio of applied research projects pertaining to financial training. The ultimate goal of these projects is to develop an approach to financial education that will better inform consumers and lead to measurable changes in personal and household financial management. The research portfolio’s focus is on designing new approaches that move beyond traditional financial literacy training, drawing on the fields of cognitive psychology, anthropology and behavioral economics. This article provides background on the financial literacy field, along with a discussion of the role of expanded knowledge in changing behavior.
This article reports the results of a qualitative survey of 40 financial literacy programs in the... more This article reports the results of a qualitative survey of 40 financial literacy programs in the United States, conducted by Michelle Coussens of the Federal Reserve Bank of Chicago, Research Department, and relates these results to three hypotheses of program evaluation and impact.
This study explores the connections between insurance, wealth building/wealth preservation, and a... more This study explores the connections between insurance, wealth building/wealth preservation, and access to financial services (hereafter financial access) for low- and moderate-income consumers. It examines the needs, attitudes, and practices that these consumers have regarding insurance, and considers whether and how information or more direct access to insurance might complement the strategies and goals of organizations that help low-wealth consumers to build and protect their assets. Many of the same population groups who are less likely to use mainstream financial institutions are also less likely to have various types of insurance, although these populations may be particularly vulnerable to financial setbacks that could (potentially) be mitigated by insurance.
Uploads
Papers by Michelle Coussens