Working papers
How Do Some Lower-Income Canadians Pay?
Report with Bank of Canada including CFD research March 2026 Previous research suggests that lower-income Canadians may have unique experiences with the use of payments, including the use of cash and digital payments. We conduct a case study using data from the Canadian Financial Diaries (CFD) project to gain insight into how some lower-income Canadians…
Keep readingOnline banker makes deal with Canada Post to offer some services at the post office
Wealthsimple working with Canada Post to offer cash deposit services at some post offices. Could be good news for some communities and offer a new model to engage in financial inclusion. See Globe and Mail article 30 Jan 2026.
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Diarist profiles
Phase 2 Profiles of each phase two diarist that includes a brief description of their social and economic situation, a discussion of their assets and liabilities, their income and spending, and their methods of payments.
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Feeling excluded in financial environments: Challenges and strategies to promote financial inclusion for adults with post-stroke communication disabilities
Available online 19 November 2025 Journal of Communication Disorders Link Image generation: ChatGPT, “Financial exclusion,” AI-generated image, OpenAI, 2025.
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Bank closures in Ontario spark concern about financial access
A CBC post notes two bank closures in NW Ontario https://www.cbc.ca/news/canada/thunder-bay/bank-closures-nwo-9.6950933
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Research on financial literacy indicators
The CFD research team is researching the practice and measurement of financial literacy related to low income and asset Canadians. The goal is to develop a set of useful indicators to measure financial literacy for people with low income and assets that would offer an alternative to more standard indicators (e.g., the “Big Three/Five” questions). The…
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Canadian Financial Diaries Research Project 