The relationship between UK shoppers and brands is not breaking down. In many ways, it remains intact. What is changing is the role brands play in everyday decision-making. The shift is not that brands have got weaker. What has changed is how competitive own-label has become. Consumers still value brands but rely on them less. 

Our latest research at The Harris Poll UK, based on a nationally representative sample of 1,000 grocery shoppers, shows that brand perception is still positive. 64% of consumers believe branded products are higher quality, 59% see them as more consistent, and 57% say they taste better. These are not weak numbers. But they are no longer decisive.

As many of us head to the polls tomorrow for local elections in parts of England, and the elections to the devolved parliaments in Scotland and Wales, it’s likely that the NHS will be in the forefront of many voters’ minds. When asked what areas they are most concerned about right now, the NHS was the third most selected topic by consumers (15% rating it the issue they were most concerned about) coming behind cost-of-living (22%) and immigration / asylum (18%). When looking at the proportion ranking these areas in their top three concerns, the NHS rises to second place (40%) behind only cost-of-living (51%). 

But this is not just another election where the NHS features as a key issue. Increasingly, it is something voters are experiencing directly in their day-to-day lives, which is changing how it is judged. 

So, what is driving this concern, and what options are consumers most open to in supporting the improvements they clearly feel are needed? 

The everyday journey is no longer routine

Have you noticed fewer cars on the roads lately? It’s not your imagination. For many of us, it’s now something we think twice about. Rising fuel costs are reshaping how, when and why people travel.

Our latest research shows that 59% of UK drivers have used their vehicle less in the past three months. This is not just about driving less. Even routine journeys are now being questioned.

Since 2020, we have tracked UK consumer sentiment and behaviour as the cost-of-living crisis has unfolded through multiple phases. 

Our latest Q2 2026 data points to a clear shift: underlying pressures have not disappeared, but the drivers are changing. External factors are reasserting themselves, adding a new layer of volatility just as households were beginning to adjust. 

In our recent article, Spending with care: the current reality of big-ticket purchases in the UK, we explored how consumers are continuing to engage with major purchases, but with a more considered mindset. Spending has not stopped, but expectations around what feels manageable and worthwhile have shifted.

Automotive brings that mindset into sharper focus. It is a category where the financial commitment is high, the decision is rarely impulsive, and the consequences of getting it wrong feel more significant. As a result, it shows more clearly what consumers need to move from consideration to action.

Our data demonstrates what car finance providers need to be thinking about when shaping their propositions and customer conversations in 2026 and beyond.

Subscriptions are built on the promise of convenience. Increasingly, however, that promise is being tested not at the point of sign-up, but at the point of exit. From streaming and gaming to fitness and food delivery, they have reshaped how people access products and services, offering flexibility and ongoing access that has quickly become part of everyday life. As subscriptions evolve, that promise is increasingly judged by how straightforward it is to leave.

Whether it’s a family day out, a visit to a heritage site, or a spontaneous trip to a theme park, the British public increasingly turns to weather apps as their decision-making compass. For operators of outdoor attractions, these forecasts have become a critical, and sometimes frustrating, part of the visitor economy. Some attraction owners report that a single rain symbol can cost them up to £137,000 in a day, and our research supports the impact of rain in the forecast, with an increase from 20% to 40% for the chance of rain driving an incremental third of consumers to change their plans. 

Based on a nationally representative survey of 1,000 UK adults, our latest research highlights a clear behavioural shift: weather apps are not just influencing decisions, they are actively reshaping them. 

Financial confidence in the UK remains fragile. Our latest Cost-of-Living data for Q1 2026 shows sentiment has deteriorated for three consecutive waves, with 62% now believing the economy is heading in the wrong direction. 

Household finances are under pressure too. 56% say their financial position is unchanged versus last year and 25% say it has worsened, leaving just 19% feeling better off. Energy bills have risen again, food and drink prices are up 4.5%, and headline inflation reached 3.4% in December. 

For decades, “free returns” has been treated like a hygiene factor in online retail: a frictionless promise that keeps conversion rates healthy. But that model is now under increasing pressure from rising operational costs and could even become an historical anomaly.

Retailers are paying closer attention to returns behaviour, and customers who consistently push the system too far are beginning to feel the consequences. ASOS, H&M and Pretty Little Thing have all reviewed their returns policies or have actively closed accounts of serial returners.

This past Monday was “Blue Monday”. Aside from sounding like a New Order song, it is often cited as the most depressing day of the year. The good news is that we made it through unscathed. The less good news is that the weather does not appear to have improved much since.

With Blue Monday falling this week, it feels like a timely moment to check in on our Optimism tracking and look at how positive UK consumers were feeling as we closed out December.

In her Autumn Budget, the Chancellor made her intentions clear. She wants UK consumers to invest more. From April 2027, future cash ISA limits will be reduced to £12,000, while financial services providers are being encouraged to proactively reach out to customers with investment options and products. 

The logic is straightforward. Shifting consumers from saving to investing should help unlock capital, fuelling growth and giving businesses the funding they need to expand and innovate. 

The challenge is that the UK currently has the lowest investment rate of all G7 countries. So why are UK consumers so reluctant to move beyond savings accounts and into investments? And what is really holding them back from swapping safe piggy banks for higher risk but potentially higher return options? 

Our latest data helps explain why this shift may be harder than policymakers hope. 

UK consumers are rebalancing priorities, reassessing value, and seeking control - not just over their wallets, but over how they live, spend and connect. As we close the books on 2025, here’s our wrap-up of the four dominant themes we’ve seen in our ongoing research with UK consumers across sectors and social contexts this year.

As the cost-of-living crisis continues to shape daily life in the UK, heating has become a growing source of worry for many households. With the Government’s new budget landing today and prices still rising, people are heading into winter with a sense of uncertainty about how they will manage the months ahead. Staying warm is no longer a background consideration; it’s something people are planning around more carefully than ever. 

Our latest research shows how this is affecting behaviour, budgets and wellbeing for households across the country. 

As the cost-of-living crisis deepens, new data reveals a troubling shift: almost seven in ten Britons would consider choosing a less rigorously tested medication if the price was right. Despite valuing safety and quality above all else, rising costs are pushing many to make trade-offs they never expected to face. With trust wavering and concerns about authenticity growing, the pressure is mounting on brands—and the system—to help consumers feel protected.

The holiday booking window used to be predictable: January for the early birds chasing deals, March for the procrastinators, and a steady stream of last-minute bookings throughout spring. Our latest research reveals that something fundamental has shifted in how UK consumers approach their annual escape. Climate change has quietly moved from the "should consider" category straight into core decision-making criteria—and it's reshaping the entire travel landscape.

In a world where no-shows cost time and money, many service-based businesses are turning to upfront deposits as a safeguard. Whether it’s £10 for a haircut or 50% down on a tattoo, booking fees have become a growing feature of the UK service economy. Instead of raising prices across the board, deposits offer a way to manage demand, reduce wasted time and maintain affordability for those who commit.

But more importantly, when used thoughtfully, booking deposits can protect the customer experience and reward loyalty.

So how do businesses use deposits not just to protect revenue—but to build trust, increase convenience, and keep loyal customers coming back?

After months of economic anxiety and cost-of-living pressures, UK consumers are finally feeling a little lighter – and the numbers back it up. Our latest results of our ongoing tracking shows optimism rising sharply in June, with 2 in 5 people (42%) scoring their outlook between 8–10 out of 10. Even more telling, the number of consumers giving a ‘perfect 10’ has doubled from May to June (from 8% to 15%).

And why does that matter? Because how we feel changes what we do. In particular – how, when and where we spend.

It’s official: second-hand is having a first-rate moment and Gen Z is firmly in the driver’s seat.

In a world increasingly defined by economic pressure and environmental awareness, the meteoric rise of the pre-loved market shouldn’t surprise us. What is striking, however, is the scale and emotional pull of the movement. Our latest research finds that 65% of UK adults have purchased a pre-loved item in the past year, rising to an eye-opening 90% among 18–24s. That's nine in ten young adults actively reshaping the retail landscape.

There’s good news on the UK economic front, and its news worth celebrating. Consumer sentiment has seen a significant uplift. The latest Maru monthly ‘Cost of Living’ survey of UK consumers shows an 11% increase in consumer economic confidence. We have been tracking sentiment around the cost-of-living since April 2021, and the recent results are the clearest sign yet that the national mood is shifting and that optimism is on the rise. 

Last week, headlines lit up with news that US courts had blocked some of Donald Trump’s proposed tariffs, a decision with potentially significant implications for global trade. While it’s an eye-catching development, and one that might have major consequences down the line, it’s worth asking: how much does this really matter to UK consumers right now?

The answer? Not as much as you might think.