Strategic Direction
Research Agenda
Current and planned research from Investara Research, advancing understanding of financial capability and credit literacy.
Active
Current Research
The Global Credit Literacy Index (TGCLI)
Annual PublicationThe flagship annual assessment of credit literacy spanning 50 economies across eight regions.
Edition 2 priorities: measuring how well policies work, not just whether they exist; coverage of Reporting transparency and Alternative infrastructure; newer adult literacy data; more economies.
Pipeline
Upcoming Research
State of Consumer Credit Data Integrity
2027A comprehensive examination of the accuracy, completeness, and fairness of consumer credit data across global markets.
- Credit reporting accuracy
- Data completeness gaps
- Algorithmic fairness
- Consumer dispute outcomes
Financial Education Outcomes
2027–2028Evaluating the effectiveness of financial education programs on credit literacy and consumer outcomes.
- Program evaluation methodology
- Evidence-based curriculum design
- Behavioral outcomes measurement
- Cost-effectiveness analysis
Adaptive Credit Index Research
2028Exploring alternative and adaptive approaches to credit scoring that better serve underbanked populations.
- Alternative data utilization
- Machine learning fairness
- Cross-border credit portability
- Financial inclusion metrics
Economic Mobility & Credit
2028–2029Investigating the relationship between credit system design, credit literacy, and economic mobility.
- Intergenerational credit patterns
- Credit as mobility enabler/barrier
- Institutional design impacts
- Policy intervention effectiveness
AI & Financial Capability
2029Examining how artificial intelligence is reshaping financial capability, consumer protection, and credit markets.
- AI in credit decisioning
- Consumer understanding of AI
- Regulatory frameworks
- Ethical considerations