You've never had it so bad? The impact of economic adversity upon the financial consumer

Ian Stevens and Crispian Tarrant

The recession of the early 1990s - when many people faced unemployment and mortgage holders found themselves trapped in negative equity - resulted in consumer cynicism towards financial institutions.

You've never had it so bad? The impact of economic adversity upon the financial consumer

Crispian TarrantandIan StevensResearch Consultants Limited, United Kingdom

RECESSION AND MACRO-ECONOMIC TRENDS

Few issues have prompted as much debate and speculation in recent years as the prolonged period of economic recession that has characterised the first half of this decade. The reasons for such attention are not difficult to discern, as this period of economic downturn has conformed to neither economic theory nor historical precedent in that it has been much more than a short-term economic 'blip', followed by rapid recovery and sustained...

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