The climate crisis is the defining issue of our generation. How can we solve it?
First published in Jan 2020 on the Nesta site.
It’s hard not to be pessimistic about the climate crisis and the future of our environment. With daily pictures of bushfires, floods and warnings about potential suffering in our future lives due to climate change on our TVs, radios and newspapers it can feel overwhelming.
First published Nesta November 2019
This report details the process and outcomes of our Acute Malnutrition Prevention Lab and how we are taking a systems change approach to this issue.
Problems that are complex, interconnected, indeterminate, and emergent like the climate crisis, inequality, and acute malnutrition are often addressed with processes that are simplistic, disconnected, and static.
As a result, the solutions that arise out of such approaches are ineffective. …
Could partnering with fintechs help social and community lenders tackle financial exclusion, and what are the key challenges facing effective collaboration?
First published at Nesta Oct 2019
With more and more fintechs disrupting modern banking and finance, it’s now easier than ever for people to open bank accounts, manage their finances and even take out loans. However, these new innovations are still serving the same people, with over 8 million people in the UK using credit to pay for everyday items, and 31 per cent of the population reporting one or more signs of financial distress.
For example, people like Harry* who is in part-time employment as a delivery driver after a spell of unemployment and depression. He earns around £15,000 but with two young children to look after, and his partner only having a part-time cleaning job, he has to take out various payday loans and high interest loans to consolidate his debt. He found this easiest to do on his mobile phone, as it was less embarrassing than talking to a person about his money situation. Unfortunately, he subsequently defaulted on his payments when he became unemployed and his claim for Universal Credit took a month to come through. Due to his past performance, his credit rating was poor and meant that the only loan he could get was from an online provider with an unreasonable rate. …