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This report reviewed data from 2005, 2010 and 2015 surveys as a means to dissect and analyse trends on the financial behaviour of Australians, with a particular focus on the role and impact of payday lending on households. The report found that many households that use payday loans are in financial distress, and are increasingly likely to apply for a payday loan online. As online services become more mainstream, the clientele of payday lenders are expanding from financially distressed to financially stressed households, which is a trend likely to continue in the future. This report was a partnership between Good Shepherd Microfinance, Consumer Action Law Centre and Financial Rights Legal Centre who commissioned Digital Finance Analytics.

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