This report examines household financial resilience, its links with income, credit use and over-indebtedness. The report focuses on three identified at-risk groups: the self-employed, those on variable incomes, and students. The report makes policy recommendations to encourage saving and reduce personal unsecured debt. The report also explores innovations in the "fin tech" sector, which offer potential for improving financial resilience. The Association of Chartered Certified Accountants (ACCA) is a global body for professional accountants, offering business-relevant qualifications to people around the world. It supports its members and students, helping them to develop successful careers in accounting and business. ACCA promotes appropriate regulation of accounting and conducts relevant research to ensure the profession continues to grow in reputation and influence.
