This report analyses consumer credit access for British low- to middle-income households. It finds that credit is not scarce but frequently unaffordable, with 1.15 million households lent to irresponsibly. It advocates for stronger FCA affordability oversight, interest-free alternatives, and government reforms to social security and insolvency frameworks.

This research examines transitioning sustainable finance into retail-facing products for EU households. While green bond supply is robust, regulatory fragmentation and distribution barriers limit participation. It recommends standardising product architecture and sustainability summaries to integrate these instruments into mainstream saving channels and increase household investment in the climate transition.

This newspaper report outlines Africa's strategic agenda for COP31, emphasising the urgent need to close the climate finance gap. It highlights that while Africa requires up to $277 billion annually for climate goals, it currently receives a fraction of this, primarily through debt-creating loans rather than grants.

This report provides a voluntary framework for financial institutions to develop science-based net-zero transition plans. It introduces ten components across five themes, focusing on four financing strategies — climate solutions, aligned entities, aligning entities, and managed phaseout — to support the 1.5°C-aligned real-economy transition.

This report examines the fracturing of voluntary climate alliances amidst rising legal and political pressure, particularly in the United States. While many banks and asset managers are retreating from collective net-zero commitments, asset owners and European institutions remain resilient. It advocates for integrating climate risk into core fiduciary duties.

This report analyses the dissolution of the Net-Zero Banking Alliance in October 2025. It examines how legal pressures and shifting strategic priorities led to softened climate guidelines. While major US banks withdrew, the study find that most European institutions have maintained their individual decarbonisation and sustainable financing targets.

This Bayesian meta-analysis of 49 Graduation studies reveals significant gains in household consumption, income, and assets. Programmes implemented since 2016 show an 87 per cent increase in benefit-cost ratios compared to earlier efforts. While larger transfers increase impacts, they do not necessarily improve cost-effectiveness over lower-cost interventions.

This report examines credit unions as drivers for fairer local economies in the United Kingdom. It highlights financial exclusion, showing only two per cent of the population are members. Recommendations include empowering Pride in Place Neighbourhood Boards and introducing a Fair Banking Act to increase affordable credit access and community reinvestment.

This guidance details how circular economy strategies help banks achieve nature-related targets under the Principles for Responsible Banking. It identifies specific circular interventions across marine, freshwater, and terrestrial ecosystems, highlighting the business case for financing transitions that reduce resource dependency and manage nature-related physical and transition risks.

This report presents a jurisdiction-neutral framework for integrating sustainability risks into bank management. Treating sustainability as a transversal risk driver, it outlines seven core elements including risk strategy, governance, and appetite. Data shows 90 per cent of surveyed banks seek such a structured approach to bridge implementation gaps.

This research assesses South Africa’s five largest banks’ management of climate risk. It finds that while climate commitments have accumulated, capital movement remains slow. Nedbank leads the rankings, but the sector generally lacks credible transition plans, specific exclusion policies, and transparent governance mechanisms to ensure accountability for decarbonisation targets.

Between 2021 and 2025, 19 European banks provided US$30.3 billion to metallurgical coal developers in Australia’s Bowen Basin. This report highlights the inconsistency of banks restricting thermal coal while funding metallurgical coal expansion. It recommends extending exclusion policies to metallurgical projects and corporate financing to align with climate goals.

This report examines the social impacts of AI-driven data centre expansion. It identifies five key challenges for financial institutions, including community opposition and developer unfamiliarity with international standards. The research provides practical insights for banks to integrate social due diligence and leverage influence to improve project outcomes.

This report examines India's renewable energy financing landscape, detailing the transition from non-banking financial companies to commercial banks and international bond markets. It analyses falling solar tariffs, historical funding barriers, and emerging opportunities in energy storage and rooftop solar necessary to achieve India's 2070 net-zero mandate.

This research identifies ten retail banks in Australia that provided AU$74.4 billion to fossil fuel companies in 2023. While 85 banks avoid such financing, major institutions dominate the market. The report highlights a disconnect between consumer desire for a clean energy transition and continued bank support for fossil fuels.

This report examines Thailand's transition to second-generation financial inclusion. It analyses the evolution of digital finance, regulatory innovations in digital public infrastructure, and strategies for consumer protection. The study highlights policy considerations for managing risks like household debt and fraud while fostering a competitive and inclusive financial ecosystem.