Research & reports
Explore research and reports from Money Advice Scotland.
Here you can access our latest research, reports and findings and learn more about the evidence that helps inform our work
Our research helps us build a stronger understanding of the issues affecting financial wellbeing, money advice and the people and communities we support.
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SOTN report 2025
Date: 2025
Insights into Scotland's money and debt advice sector.
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Wellbeing index 2025-26
Date: 2026
Benchmarking wellbeing across Scotland’s free money advice sector.
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Wellbeing index 2024-25
Date: 2025
Benchmarking wellbeing across Scotland’s free money advice sector.
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Wellbeing index 2023-24
Date: 2024
Benchmarking wellbeing across Scotland’s free money advice sector.
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Wellbeing index 2022-23
Date: 2023
Benchmarking wellbeing across Scotland’s free money advice sector.
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Wellbeing blueprint
Date: 2023
A blueprint for improving wellbeing in the advice sector.
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Wellbeing index 2021-22
Date: 2022
Benchmarking wellbeing across Scotland’s free money advice sector.
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Wellbeing index 2020-21
Date: 2021
Understanding how people learn about and manage money.
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Money guidance - A user centred approach
Date: 2021
Understanding how people learn about and manage money.
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Adviser perspectives on a workforce strategy
Date: 2020
Research exploring adviser views on Scotland’s money advice workforce.
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Caputuring experience of debt advice
Date: 2020
Insights into how people access and experience debt advice.