FinancialDiaries.ca

How Do Some Lower-Income Canadians Pay?

Report with Bank of Canada including CFD research March 2026 Previous research suggests that lower-income Canadians may have unique experiences with the use of payments, including the use of cash and digital payments. We conduct a case study using data from the Canadian Financial Diaries (CFD) project to gain insight into how some lower-income Canadians pay. The CFD uses a mixed methods design for financial diaries that combines qualitative and quantitative components to understand the strengths and weaknesses of the finances of 47 Canadians with lower income....

How Do Some Lower-Income Canadians Pay? Report with Bank of Canada including CFD research March 2026 Previous research suggests that lower-income Canadians may have unique experiences with the use of payments, including the use of cash a…

Online banker makes deal with Canada Post to offer some services at the post office

Wealthsimple working with Canada Post to offer cash deposit services at some post offices. Could be good news for some communities and offer a new model to engage in financial inclusion. See Globe and Mail article 30 Jan 2026.

Online banker makes deal with Canada Post to offer some services at the post office Wealthsimple working with Canada Post to offer cash deposit services at some post offices. Could be good news for some communities and offer a new model to engage in financial inclusion. See Globe …

Diarist profiles

Phase 2 Profiles of each phase two diarist that includes a brief description of their social and economic situation, a discussion of their assets and liabilities, their income and spending, and their methods of payments. P2 diarist summariesDownload

Diarist profiles Phase 2 Profiles of each phase two diarist that includes a brief description of their social and economic situation, a discussion of their assets and liabilities, their income and spending, and the…

Feeling excluded in financial environments: Challenges and strategies to promote financial inclusion for adults with post-stroke communication disabilities

Available online 19 November 2025 Journal of Communication Disorders Link

Feeling excluded in financial environments: Challenges and strategies to promote financial inclusion for adults with post-stroke communication disabilities Available online 19 November 2025 Journal of Communication Disorders Link

A CBC post notes two bank closures in NW Ontario

Bank closures in Ontario spark concern about financial access A CBC post notes two bank closures in NW Ontario

The CFD research team is researching the practice and measurement of financial literacy related to low income and asset Canadians. The goal is to develop a set of useful indicators to measure financial literacy for people with low income and assets that would offer an alternative to more standard indicators (e.g., the “Big Three/Five” questions). The research will involve an environmental scan, new analysis of diaries data, and key-person interviews.

Research on financial literacy indicators The CFD research team is researching the practice and measurement of financial literacy related to low income and asset Canadians. The goal is to develop a set of useful indicators to measure finan…

26 February 2025 The Province of Manitoba Public Utilities Board (PUB) conducted a public review and consultation of Manitoba's payday loan regulations and the payday loan industry. In this Review, the Board was specifically asked by the Minister of Finance to analyze the impacts of reducing the maximum allowable rate that may be charged for a payday loan, from $17 per $100 borrowed to $14 per $100, and the impacts of reducing the proportion of a borrower's net pay, which is used to determine the maximum loan amount....

PUB Triennial Report on 2024 Payday Loan Review 26 February 2025 The Province of Manitoba Public Utilities Board (PUB) conducted a public review and consultation of Manitoba’s payday loan regulations and the payday loan industry. In this R…

17 June 2025 The GetYourBenefits! Project began as an attempt to convince physicians that it is important to diagnose and treat poverty. Intervention The academics worked with community agencies and physician organizations to communicate about the government benefits for which individuals with low incomes and/or disabilities are eligible. The Project Manager and Outreach Officer met with and gave talks to community groups....

Helping People Access Benefits: Millions of Unclaimed Federal Dollars are Available 17 June 2025 The GetYourBenefits! Project began as an attempt to convince physicians that it is important to diagnose and treat poverty. Intervention The academics worked with community agencies an…

31 March 2024 The Canadian Financial Diaries research project is seeking to hire a student as a Research Assistant (RA) for a minimum 10-week assignment. The RA would work with the CFD PI (Jerry Buckland) and Research Coordinator (Wendy Nur) to assist with several research assignments including focus group discussions, data repository, and writing assignments. A strong candidate would have the following qualities,...

Research assistant position 31 March 2024 The Canadian Financial Diaries research project is seeking to hire a student as a Research Assistant (RA) for a minimum 10-week assignment. The RA would work with the CFD PI (Jerry Bu…

UK Financial diaries research project Nest Insight: Studying volatility

NEW RESULTS UK Financial diaries research project Nest Insight: Studying volatility

Financial capability of people with low income: Results from the Canadian financial diaries ABSTRACT: Household income, assets, and socioeconomic context influence people's financial behavior and their financial literacy. This study uses a mixed methods financial diaries to understand the strengths and weaknesses of the finances of 28 Canadians with low income. Contrary to results from national surveys on financial literacy, we found that these low- and modest middle-income participants were careful with their finances by doing things such as paying of one's credit card immediately, deliberately focusing on needs, and tracking one's finances....

New study Financial capability of people with low income: Results from the Canadian financial diaries ABSTRACT: Household income, assets, and socioeconomic context influence people’s finan…

Does Poverty and Caring Generate Debt? This blog is based on an article in Social Policy and Society by Jerry Buckland, Wendy Nur, and Jodi Dueck-Read CLICK HERE

The Social Policy Blog Does Poverty and Caring Generate Debt? This blog is based on an article in Social Policy and Society by Jerry Buckland, Wendy Nur, and Jodi Dueck-Read CLICK HERE