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Wagestream research: Essential and excluded

This research considers how financial exclusion impacts the shift and frontline workforce - in a study of 11,000 workers across hospitality and leisure, retail, healthcare and support services

At least one in seven UK adults are financially excluded—around 14% of all UK adults. Yet Wagestream research from 2023 suggests that this figure may be more than twice as high in particular sectors that employ large numbers of frontline workers, such as retail and hospitality.

This research explores the topic of financial exclusion, including what it means to be excluded, how this differs based on gender and ethnicity, and how employers can support their colleagues’ financial wellbeing.

The research sets out its findings along with recommendations for employers – with advisory input from WiHTL & DiR – leading experts and advocacy bodies for embedding inclusion across the UK workforce.

In partnership with Wagestream

Wagestream’s financial wellbeing platform makes work more rewarding for 3 million people.

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