What we research and publish
Four research streams that together form a comprehensive picture of financial knowledge and behaviour in Spain.
Quarterly Financial Literacy Reports
Population Surveys
Our surveys are designed to measure actual financial knowledge, not just attitudes or self-reported confidence. Each questionnaire contains knowledge-testing questions alongside behavioural questions. This combination allows us to identify the gap between what people think they know and what they demonstrably understand.
Basic financial concepts
Questions covering interest rates, inflation, compound returns, and risk diversification — the foundational concepts measured in international financial literacy studies.
Saving behaviour
How households allocate surplus income, whether they maintain emergency reserves, their awareness of different savings products available in Spain.
Debt and credit literacy
Understanding of mortgage terms, consumer credit costs, revolving credit mechanics, and the long-term implications of minimum payment strategies.
Planning and protection
Pension awareness, insurance understanding, and the degree to which respondents have considered their long-term financial position.
Family Savings Indicators
What the savings indicators track
The family savings indicators are a set of composite measures derived from our quarterly survey data. They are designed to reflect household financial resilience rather than just savings balances. A household that saves consistently but carries high-interest consumer debt may appear financially healthy by one measure while being financially vulnerable by another.
We track emergency fund coverage (months of expenses covered by liquid savings), pension contribution awareness, the ratio of saving to disposable income, and the prevalence of defined financial goals among respondents.
Consumption Habit Analysis
Spending pattern mapping
We analyse how Spanish households allocate spending across categories, identifying patterns that correlate with higher or lower financial literacy scores. This stream does not judge consumption choices — it maps them as behavioural indicators.
Digital consumption and fintech awareness
A growing component of our consumption analysis examines how digital financial tools are being adopted across different age groups and how that adoption relates to broader financial literacy scores.