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Filtered Research Reports

Confidence in Borrowing Spring 2018

Filene's annual report on consumers' confidence in borrowing relies on recurring national surveys to measure consumers' attitudes about debt and borrowing. This latest survey indicates that consumer confidence remains relatively constant since the previous survey. However, this year's analysis reveals new patterns indicating that consumers take out certain types of...

Confidence in Borrowing Survey: Spring 2017

Every six months Filene conducts a national survey to assess confidence in borrowing. Since our previous survey, there has been little change in consumer confidence, and overall confidence in borrowing remains low. However, having a baseline for consumer intention allows us to dive deeper and explore possible motivations and subtleties...

Confidence In Borrowing: Survey 2016

Knowing how consumers feel about borrowing is useful for predicting their intentions and behavior, and is instrumental for developing strategies to support consumers as they navigate how and when to borrow and invest. Our consumer borrowing survey indicates that confidence is low, with over 80% of consumers feeling worried, concerned...

National Banking Preferences

Everyone values something different in their banking relationship. For some its rates and fees while for others its service location and product choice. Consumer banking preferences are shaped by a variety of personal factors such as income level and age. We conducted a national survey of 985 respondents to get...

Corporate Governance in Canadian and US Credit Unions

Credit union governance can be likened to finding that elusive pivot point on a playground teeter-totter, the sweet spot that balances three different dimensions—the interests of members/owners, the oversight responsibilities of directors, and the operational role of management. Using another metaphor, the governance literature refers to these three dimensions as...