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Study

Here is a summary of our study with over 250 participants and some key findings.

265 participants | Study period: 2024–2026

Gender Distribution

Female132 responses – 63.5%
Male65 responses – 31.3%
Trans/non-binary11 responses – 5.3%

Age Distribution

28.6%61 resp.
18–25
43.7%93 resp.
26–35
18.8%40 resp.
36–45
7%15 resp.
46–60
1.9%4 resp.
60+

Social groups

LGBTIQ+/Queer71 responses – 45.2%
Low-income family44 responses – 28%
Special burden (mental/physical/health)44 responses – 28%
Migration background42 responses – 26.8%
Kids29 responses – 18.5%
Single parent9 responses – 5.7%
No/bad family relationship18 responses – 11.5%

Main Source of Income

40.6%88 resp.
Yes
18.4%40 resp.
Sometimes
41%89 resp.
No

How long self-employed

26.7%28 resp.
< 1 year
29.5%31 resp.
1–2 years
19%20 resp.
3–5 years
24.8%26 resp.
5+ years

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together

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Supported by:

HTW BerlinFederal Ministry for Research, Technology and Space TravelIdeas in Action

The rules are complex and confusing

79% agreement

2.4%5 resp.
1
4.4%9 resp.
2
14.1%29 resp.
3
28.8%59 resp.
4
50.2%103 resp.
5
Not at allTotally applies

It's hard to keep track of everything

79% agreement

1.9%4 resp.
1
4.2%9 resp.
2
15.5%33 resp.
3
36.2%77 resp.
4
42.3%90 resp.
5
Not at allTotally applies

Using smart banking features

34.6%72 responses
Yes
65.4%136 responses
No

Want to better understand my options

86% agreement

2.8%6 resp.
1
3.3%7 resp.
2
8%17 resp.
3
23.1%49 resp.
4
62.7%133 resp.
5
Not at allTotally applies

Great worries about doing something wrong

77% agreement

1.4%3 resp.
1
7.5%16 resp.
2
14%30 resp.
3
27.1%58 resp.
4
50%107 resp.
5
Not at allTotally applies

Advice costs too much

81% agreement

2.3%5 resp.
1
6.5%14 resp.
2
10.2%22 resp.
3
32.6%70 resp.
4
48.4%104 resp.
5
Not at allTotally applies

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With over 250 participants and 40-50 questions

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