whether the results for the entire group also hold for the VULN-SWA sub-group in the longitudinal survey data. The secondary data analysis in subsequent reports should provide further insights as to how effectively the VULN measure has supported VULN-SWA customers. Noting the predominance of the VULN-AT customers in the survey sample, the following can be said of their experience on the VULN measure: they demonstrated less vulnerability at baseline compared to VIM customers across a number of financial stress indicators, however they had higher rates of homelessness in the three months prior to referral to VULN they report more negative experiences being on PBIM, including a greater proportion feeling judged and embarrassed when they use the BasicsCard in general they have not positive improvements in financial stress indicators, or in expenditure on tobacco or alcohol, although it should be noted that they demonstrated a lower level of financial stress and tobacco and alcohol consumption at baseline compared to VIM customers. Next Two further evaluative reports will follow the release of this Process and Short-term Evaluation Report: Medium Term Outcomes Report (December 2014) this report will include analysis of a second – round of face-to-face interviews with another sample of customers; site visits including focus groups and interviews with DHS staff, FMPS staff and BasicsCard merchants, and analysis of an extraction of DHS administrative data. Consolidated Report (April 2015) this report will focus on analysis of outcomes from the final – wave of the longitudinal survey. It will place this new information in the context of previous analysis and evaluation findings, and will summarise overall outcomes arising from the PBIM measures. Deloitte Access Economics
whether the results for the entire group also hold for the VULN-SWA sub-group in the longitudinal survey data. The secondary data analysis in subsequent reports should provide further insights as to how effectively the VULN measure has supported VULN-SWA customers. Noting the predominance of the VULN-AT customers in the survey sample, the following can be said of their experience on the VULN measure: they demonstrated less vulnerability at baseline compared to VIM customers across a number of financial stress indicators, however they had higher rates of homelessness in the three months prior to referral to VULN they report more negative experiences being on PBIM, including a greater proportion feeling judged and embarrassed when they use the BasicsCard in general they have not positive improvements in financial stress indicators, or in expenditure on tobacco or alcohol, although it should be noted that they demonstrated a lower level of financial stress and tobacco and alcohol consumption at baseline compared to VIM customers. Next Two further evaluative reports will follow the release of this Process and Short-term Evaluation Report: Medium Term Outcomes Report (December 2014) – this report will include analysis of a second round of face-to-face interviews with another sample of customers; site visits including focus groups and interviews with DHS staff, FMPS staff and BasicsCard merchants, and analysis of an extraction of DHS administrative data. Consolidated Report (April 2015) – this report will focus on analysis of outcomes from the final wave of the longitudinal survey. It will place this new information in the context of previous analysis and evaluation findings, and will summarise overall outcomes arising from the PBIM measures. Deloitte Access Economics