According to BKR (a Dutch organisation that gathers national credit data), debts, money problems, and payment issues are rising, especially among young adults. Lately, we have seen their debts grow, in contrast to a decrease among the entire population (although the current energy crisis is expected to result in debt growth among the whole population). A similar trend is visible at Coöperatie VGZ – the number of young adults with payment arrears and debts is rising, a symptom of a financially unhealthy future.
Together, we dove into the experiences and perceptions of young adults on this topic. By executing 11 explorative in-depth interviews, we empathised with their experiences and needs. We used our insights in a co-creative brainstorming day, where we collaborated with a multi-disciplinary team of experts and produced 500+ (!!) ideas. After further development and a critical selection with a multi-disciplinary team, this resulted in 10 promising concepts to improve the current services of Coöperatie VGZ.