The Resource Hub is a central platform for National Strategy partners to access and share trusted national and international research, insights, and resources supporting financial wellbeing in Aotearoa New Zealand.
We welcome contributions from National Strategy partners highlighting new research, case studies, resources, or data. Find out more about the publishing guidelines and key principles and the research community of practice here.
This report examines the financial capability of disabled people and those with long-term health conditions in Aotearoa New Zealand, highlighting strengths such as active money management while identifying systemic barriers. It provides evidence to support more accessible, inclusive financial systems that strengthen wellbeing and economic security.
NZ RESEARCH
This policy note assesses the impacts of Budget 2025 KiwiSaver changes, finding higher default contributions will lift retirement balances for most members. However, cuts to government contributions risk widening inequities for low-income earners, women, Māori and the self-employed.
FINANCIAL WELLBEING, KIWISAVER
This Reserve Bank of New Zealand report introduces a base set of financial inclusion indicators to track how well New Zealand’s financial system enables access to cash, banking and credit, highlighting persistent gaps by income, ethnicity, age and region, and providing an evidence base to support more inclusive, resilient policy and system design.
FINANCIAL INCLUSION
This technical paper explains how financial inclusion is measured in Aotearoa New Zealand, detailing data sources, methodology, limitations and the application of Māori data sovereignty principles underpinning the Reserve Bank’s base set of indicators on access to cash, banking and credit.
FINANCIAL INCLUSION
This report examines barriers and enablers to Pacific peoples’ participation in financial capability rogrammes in Aotearoa New Zealand, fi p nding uptake improves when services are culturally grounded, aiga centred and framed around holistic wellbeing, with trusted community delivery and Pacific leadership central to effectiveness.
FINANCIAL CAPABILITY, FINANCIAL RESILIENCE, FINANCIAL WELLBEING, PACIFIC PEOPLE
This report highlights Pacific peoples’ strong saving practices and collective financial resilience, while identifying opportunities to strengthen confidence, protection and long-term planning. It shows that culturally grounded, Pacific led financial capability support builds on existing strengths to improve wellbeing for aiga and communities.
FINANCIAL CAPABILITY, FINANCIAL RESILIENCE, FINANCIAL WELLBEING, PACIFIC PEOPLE
This analytical paper explores the values, beliefs and practices that shape Pacific peoples’ wellbeing in Aotearoa New Zealand, showing how culture, family, community and demographics influence outcomes across multiple wellbeing domains, and providing evidence to inform more responsive, Pacific informed policy and investment decisions.
FINANCIAL CAPABILITY, FINANCIAL RESILIENCE, FINANCIAL WELLBEING, PACIFIC PEOPLE
This study analyses administrative data on nearly 25,000 people from refugee backgrounds in Aotearoa New Zealand, showing how income and settlement outcomes change over time. It highlights differing trajectories by visa pathway and the importance of sustained, early support to enable positive, long-term economic participation.
NZ RESEARCH, REFUGEES
This report analyses debt use among young adults in Aotearoa New Zealand, finding widespread engagement with consumer credit and Buy Now Pay Later. It shows over-indebtedness is shaped by income insecurity and financial stress, and calls for stronger consumer protections and youth appropriate financial capability responses.
FINANCIAL CAPABILITY, FINANCIAL WELLBEING, YOUNG PEOPLE
This literature review synthesises Aotearoa New Zealand research that centres young people’s own perspectives on wellbeing, identifying four key systemic influences: uncertainty about the future, social media and online harms, racism and discrimination, and the strength of whānau and intergenerational connection. It calls for youth informed, system level responses rather than individualised solutions.
FINANCIAL WELLBEING, YOUNG PEOPLE
This code sets out voluntary standards for responsible debt collection by Financial Services Federation members, committing them to fair, respectful and ethical treatment of consumers. It strengthens protections for people experiencing hardship or vulnerability and promotes collaboration with financial mentors, going beyond minimum legal requirements.
FINANCIAL WELLBEING
This set of reports presents findings from Growing Up in New Zealand at age 15, showing how adolescents’ wellbeing is shaped by school experiences, material hardship, discrimination, disability and cultural connection. It highlights that supportive, inclusive school environments and strong relationships are key protective factors for rangatahi wellbeing.
FINANCIAL CAPABILITY, FINANCIAL WELLBEING, YOUNG PEOPLE