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Living Beyond Means

Summary

Abstract

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.

Keywords

Economic Wellbeing Consumer Aggregated Banking

Publisher

Documentation

Description

The Living Beyond Means dataset is a longitudinal view of current account holders who are living outside of their means. It is derived from banking transaction data from a major UK high street bank. This variable is an aggregate measure of the preceding 13 weeks. It is created by summing the credits and the debits per account, then counting the number of accounts where debit exceeds 120% of credit.
  • Associated media
    • Not available
  • Is part of
    • Economic Wellbeing

Coverage

Spatial

  • Spatial coverage

    Scotland

  • Geographic levels
    ITL2

Temporal

  • Start date
    04/02/2024
  • End date
    30/03/2025
  • Frequency
    Irregular
  • Distribution release date
    Not available

Provenance

  • Purpose
    Administrative
  • Source
    Other
  • Collection situation
    UK banking data

Access and governance

  • Conditions of access
    Approval-based access

Requesting access to this data

This is a secure dataset that can only be accessed by researchers from approved organisations.

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Usage

  • Conditions of use
    Institutional approval
  • Resource creator
    Smart Data Foundry
  • Is referenced by
    Not available

Access

Format and standards

  • Language
    English
  • Format
    Not available

Enrichment and linkage

Synthetic data

Synthetic data is not yet available for this dataset. 

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