Zero-credit aims to give borrowers a strong consumer voice that can inform personal finance markets. Participatory techniques involve people in making important decisions about the goods and services that they use. They have been very successful in informing behaviour change for public health campaigns for many years.
We think they will improve standards in personal finance, where assessments of over-indebtedness and financial capability tend to be observational and prescriptive. Effective money management depends on access to effective financial products and services, so we trade in research and development to fund our social aims, which include: