The aim was to create a convenience sample of: • Practitioners with at least three years of experience in the design and delivery of individual financial counselling programs and services to low-income people was conducted with academic researchers and key informants from intermediary groups (practitioner • Academic researchers with expertise in the networks and associations of organizations) to e [...] In the U. K., research into the delivery of financial counselling had begun in the years leading up to the crisis with regional pilot studies and their evaluation, as part of a government review of approaches to the of financial counselling services through capacity 9 delivery of a national financial advice service.7. [...] This led to reduced funding for In the U.”S., the subprime mortgage crisis led to the financial advice services in the U. K. in 2010 and development of the National Foreclosure Mitigation the prospect of reduced funding in Australia. [...] Programs seek to influence also important for organizations to be explicit about the specific financial preferences, choices, and actions the target population and the nature and objectives of their clients with an emphasis on promoting of the financial intervention(s) used.