Research
LFBF’s mission is advancing knowledge and education in financial services. We commission and publish research for the benefit of the public and we support those working to improve financial capability.
It’s still not magic: Framing the risks facing financial services in the Gen AI era
A new report from the London Foundation for Banking & Finance (LFBF) and the Institute and Faculty of Actuaries (IFoA), explores how generative AI… Continue reading Research
A Nation of Investors: The Indispensable Role of Savings
Our latest research, published in partnership with Leeds Building Society, comes as the push to create a ‘nation of investors’ in the UK gathers pace.
Key Themes in Financial Capability:Young People and Cryptocurrency
This research project explores young people’s engagement with, and understanding of, cryptocurrency within the wider context of financial capability across the UK, as well… Continue reading Research
Young Persons' Money Index 2025 - 2026
The LFBF's latest Young Persons' Money Index shows that financial capability among Britain’s teenagers remains concerningly low
Insurance Banana Skins 2025
Cyber crime, AI and the pace of technology change are the top three challenges facing the global insurance industry. For the first time in its 14-year history, the Insurance Banana Skins report, published biennially by PwC and LFBF think-tank the CSFI (Centre for the Study of Financial Innovation), reveals that technology-related risks now dominate the top three concerns facing the sector.
Accelerating Progress: Financial Capability in the UK - Research Report 2025
Our landmark new study of financial education highlights challenges around financial literacy, examines what is working and makes recommendations on how to accelerate progress.
The Young Persons’ Money Index 2023/24
Financial education was included on the national curriculum in 2014, and we’ve been monitoring young people’s experiences ever since through our Young Persons’ Money Index (YPMI).
It's not magic: weighing the risks of artificial intelligence in financial services
There are no certainties in financial services. But it is at least odds-on that the future is going to be shaped by Big Data – Artificial Intelligence (AI) and Machine Learning (ML).