All Outputs (6)

The link between digital skills and financial inclusion – evidence from consumers survey data from low-income areas (2024)
Journal Article
Vik, P., Kamerade, D., & Dayson, K. (in press). The link between digital skills and financial inclusion – evidence from consumers survey data from low-income areas. Journal of Consumer Policy,

Financial and digital inclusion are key consumer policy agendas for governments globally. Yet, despite the importance of online interfaces to manage finances and make payments, the link between financial and digital inclusion remains under-researched... Read More about The link between digital skills and financial inclusion – evidence from consumers survey data from low-income areas.

The link between digital skills and financial inclusion -Evidence from consumers survey data from low-income areas (2024)
Journal Article
Vik, P., Kamerāde, D., & Dayson, K. (in press). The link between digital skills and financial inclusion -Evidence from consumers survey data from low-income areas. Journal of Consumer Policy,

Financial and digital inclusion are key consumer policy agendas for governments globally. Yet, despite the importance of online interfaces to manage finances and make payments, the link between financial and digital inclusion remains under-researched... Read More about The link between digital skills and financial inclusion -Evidence from consumers survey data from low-income areas.

Resilience of cooperatives during global pandemics – Short-term effects of Covid-19 on lending behaviour of British credit unions (2023)
Journal Article
Vik, P., Curtis, J., & Karl, D. (in press). Resilience of cooperatives during global pandemics – Short-term effects of Covid-19 on lending behaviour of British credit unions. Journal of Co-operative Organization and Management, 11(2), 100220. https://doi.org/10.1016/j.jcom.2023.100220

Cooperative financial institutions are believed to be less vulnerable to business and economic fluctuations linked to recessions and crises. This paper examines the short-term effects of Covid-19 on the British credit union sector d... Read More about Resilience of cooperatives during global pandemics – Short-term effects of Covid-19 on lending behaviour of British credit unions.

The impact of COVID-19 on UK community finance institutions – Implications for local economic development (2023)
Journal Article
Vik, P. M., Curtis, J., & Dayson, K. T. (2023). The impact of COVID-19 on UK community finance institutions – Implications for local economic development. Local Economy, https://doi.org/10.1177/02690942231208916

UK community finance institutions play an important role in deprived neighbourhoods by serving households and businesses unable to access mainstream finance. This paper analyses the short-term effects of the Coronavirus pandemic on the activities and... Read More about The impact of COVID-19 on UK community finance institutions – Implications for local economic development.

The impact of the cost-of-living crisis on British credit unions and community-lenders (2022)
Journal Article
Vik, P., & Wallace, A. (2022). The impact of the cost-of-living crisis on British credit unions and community-lenders. Journal of co-operative studies, 55(2), 29-34

Credit unions are often hypothesised to be less vulnerable to crises than other types of businesses. This paper examines the impact of the cost-of-living crisis on the British credit union and community lender sector drawing on interviews with 25 m... Read More about The impact of the cost-of-living crisis on British credit unions and community-lenders.

Social goals versus business necessity : the nature and determinants of innovation in financial inclusion (2021)
Journal Article
Vik, P., McEachern, M., Curtis, J., Kane, K., & Dayson, K. (in press). Social goals versus business necessity : the nature and determinants of innovation in financial inclusion. Social Business, https://doi.org/10.1362/204440821X16206324311132

Purpose: This study aims to explore the extent to which social innovation is prioritised among a sample of organisations promoting financial inclusion through the provision of affordable credit, advice and financial education. Additionally, we seek... Read More about Social goals versus business necessity : the nature and determinants of innovation in financial inclusion.