We are improving income and wealth in Black and minority communities across the UK — by treating community-based financial systems as a strength worth building on, not a gap to be filled.
Black and minority communities across the UK already practise sophisticated forms of financial cooperation — saving together, lending to one another, building trust through systems like rotational savings and credit.
These are not workarounds. They are strengths. Communomics exists to ensure the formal financial system recognises, integrates, and builds on them.
Registered in the UK, working at the intersection of research, advocacy, financial literacy, and community.
Most organisations frame underserved communities as lacking. We flip that framing. The community already saves, lends, and builds credit — together.
By working with funders, policymakers, and industry to integrate community-based financial systems into mainstream provision.
Our flagship research study on Rotating Savings and Credit Associations in the UK publishes this July.
A persistent income and wealth gap, driven by financial systems that do not recognise how Black and minority communities already save, lend, and build credit together.
Across four connected levers — recognising community-based finance, improving credit profiles, building financial literacy, and strengthening community life.
By 2030: formal FCA recognition of community-based finance, integration into mainstream provision, and a measurable closing of the income and wealth gap.
ROSCA is one workstream within a wider ambition. Communomics works across four interconnected areas, each contributing to the same long-term outcome.
We research, document, and advocate for the recognition of ROSCAs and similar systems within the UK regulatory and credit infrastructure.
We work to ensure responsible financial behaviour within community systems is captured by credit bureaus and recognised by lenders.
We develop financial education tailored to the lived realities of Black and minority communities, in formats that meet people where they are.
We strengthen the community infrastructure within which financial behaviour happens, partnering with faith-based groups and grassroots networks.
Examining how rotational savings and credit associations (ROSCAs) operate within Black and minority communities in the UK — and what integration into mainstream finance would take.
Academic, industry, and policy expertise including Fair4All Finance, Aviva, Equity in Finance, and University of Bath.
Our first major research project publishes, alongside the rebranded Communomics website and a coordinated communications push.
A two-year study tracking how participation in community-based finance affects income, wealth, and credit profiles.
Formal FCA recognition of ROSCA, operational guidelines, and integration into mainstream credit-scoring frameworks.
We work in partnership with funders, academic institutions, industry bodies, and community organisations across the UK.
Trust for London
University of Bath
Fair4All FinanceOur steering committee brings together leaders from financial services, social impact, academia, and community practice to guide and govern our work.
Uses research and advocacy to place low-income and vulnerable consumers at the heart of policy-making. Former Director of Fair By Design, regularly consulted by regulators and government departments.
EDI lead and active researcher with interests spanning social inclusion, poverty alleviation, alternative finance, and racial justice. Nearly 30 years of combined industry and academic experience.
Financial expert with 15+ years in banking committed to helping individuals and corporates gain financial freedom. Keynote speaker for Morgan Stanley, JP Morgan, and HSBC.
Drives research projects and impact measurement at Fair4All Finance, working with lenders and income maximisation tools to boost financial inclusion for underserved communities.
30+ years working on financial inclusion and access to credit for lower-income households. Formerly with Carnegie UK and Moneyline, now anchoring insights at Fair4All Finance.
"A UK in which Black and minority communities have closed the income and wealth gap — where the financial systems already practised within these communities are recognised, integrated, and supported."
Founder and Strategic Lead at Communomics. With over a decade of senior experience in financial services and a deep personal commitment to financial inclusion, Ola brings together the rigour of commercial fintech and the values of community-first social enterprise. Holding a Master’s Degree in FinTech and Business Analytics from the University of Westminster, Ola has built a career translating complex business objectives into effective, practical solutions.
Manager at the FCA with over a decade in financial services risk management, previously Regulatory Compliance Associate Director at NatWest. A qualified lawyer with a PhD in International Economic Law from the University of Manchester.
Business SOx Manager at one of the world's largest energy companies, with prior roles at EY and PwC across risk, audit, and financial services. Holds a First Class in Accounting and an MSc in Finance.
Business Analyst specialising in public sector transformation, currently with the City of London Corporation. Experience spans Lloyds Banking Group, Tesco, and UK government departments; MSc in International Development from Manchester.
Managing Software Engineer with 19+ years of experience, currently consulting for the Home Office to modernise Border Crossing Data infrastructure. Expert in full-stack development, agile methodologies, and scalable software architecture.
Moments from our events, research sessions, and community engagements across the UK.
Whether you are a funder, a policy professional, a community organisation, or someone with a story to share — there is a place for you in this work.
Support our research and advocacy work
Explore collaboration and research partnerships
Work with us on financial literacy and community programmes
Contribute to our lived-experience research
University of Bath
Fair4All Finance
Trust for London