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The Income Source dataset identifies the main source of income from UK current account data: Salary, Benefits, Pension, or Other—and flags individuals without salaried income. It is aggregated by postcode area and demographic group to ensure privacy.
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Income Variability measures fluctuations in income over time using a thirteen-week rolling window, categorising individuals into High, Medium, or Low variability. It is aggregated by postcode area and demographic group to ensure privacy.
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The Income Volatility dataset provides financial insights at the microdata level on income variability, payment intervals, and sources, enabling in-depth research on economic stability.
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The Living Beyond Means dataset provides insight into the proportion of current accounts where debit exceeds 120% of credit. It is aggregated by age band and ITL2 code to ensure privacy.
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Low Emergency Resilience looks at current accounts that have two or more balance events below a threshold of £100. It is aggregated by age band and ITL2 code to ensure privacy.
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The Net Zero Affordability dataset estimates homeowners’ ability to afford the retrofit costs associated with the Scottish Government’s ambitions for net zero emissions by 2045.
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The Overdrawn Accounts dataset shows the proportion of current accounts that have two or more negative balance events in a rolling five-week period. It is aggregated by age band and ITL2 code to ensure privacy.
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Payment Interval captures how often salary payments occur over a thirteen-week rolling window, categorising individuals into Weekly, Fortnightly, Monthly, or other intervals. It is aggregated by postcode area and demographic group to ensure privacy.
