About FWBM
Financial Well-Being Monitor.
The Financial Well-Being Monitor (FWBM) measures households’ economic stress and resilience, combining surveys with macroeconomic data to deliver actionable insights beyond traditional indicators.
From signals to strategy.
Measure stress. Map resilience. Mobilize action.
The Financial Well-Being Monitor (FWBM) is a decision-grade research model that captures the financial, behavioral, and emotional realities of households—at speed and at scale. It blends high-frequency CATI fieldwork with external macro datasets to produce timely insight, early-warning signals, and a transparent evidence base for policy and market action.
Nationally Representative, Continuously Updated
- Weekly intake, rolling monthly n≈1,600 CATI interviews; national coverage across 81 provinces with quotas by age, gender, and socio-economic/educational status.
- Weekly dashboard updates and trend tracking enable near-real-time readouts and early-warning.
“Micro-level, near-real-time data flow”—what we deliver by design.
100% Controlled Data
Every interview is recorded and archived. Controller re-contact ensures authenticity and traceability from raw audio to final metric.
Proven Reliability
Pilot studies validated reliability. Field execution is led by a senior research team under a respected advisory board.
The FWBM Score – 4 Pillars & 8 Dimensions
Income & Financial Capacity
- Income Stability
- Income–Expenditure Balance
Expenditure & Housing
- Essential vs. Non-Essential Spending
- Housing Costs & Pressure
Debt & Resilience
- Borrowing & Repayment
- Savings & Preparedness
Psycho-Social & Expectations
- Expectations & Mobility
- Stress & Support Networks
The FWBM Score integrates 8 key dimensions under 4 strategic pillars. This framework does more than measure income or spending—it reveals how households cope, adapt, and plan under financial stress.
The four pillars provide a structured lens for understanding resilience: financial capacity, consumption and housing pressures, debt management and preparedness, and psycho-social well-being. Together, they highlight both vulnerabilities and adaptive strengths, offering actionable insight for policy, markets, and civil society.
Open Queries, Data Integration & Technical Stack
AI Integration
Natural-language queries across FWBM AI Analyst Asistant (Monet) international data. Instant tables, charts, and maps—analytics at the speed of decision.
Delivery Models
Weekly live dashboards, monthly analytic reports, quarterly public summaries, and expert podcasts.
External Data Integration
One canvas. Many sources. Seamless joins.
- OECD SDMX
- World Bank Data API
- Eurostat Statistics API
- CBRT EVDS
- TurkStat (TÜİK)
- Google Data Commons
Technical Stack
- LLM-powered query layer for explainable outputs
- Time-series toolkit for early-warning signals
- Entity resolution & harmonization across APIs
- Secure partner APIs & embeddable dashboards
Why FWBM Now?
Traditional indicators are macro and lagging; FWBM closes the gap with weekly micro-evidence that captures the lived experience—how households adjust spending, borrowing, saving, and well-being under shifting conditions.
“Beyond indicators to lived experience. From insight to intervention.”