“…Another recent addition to the HBM is the concept of perceived control which is a measure of level of self-efficacy, or one's confidence in the ability to successfully perform an action. Although devised to examine behaviour change within a health setting (see for example, alcohol use [Minugh et al, 1998;Von et al, 2004], smoking [Von et al, 2004], drug use [Bonar & Rosenberg, 2011;Welch, 2000], exercise [James et al, 2012;Wouters et al, 2009] and medical screening behaviours [Austin et al, 2002;Yarbrough & Braden, 2008]),the model is flexible enough to usefully explore different domains and table 1 demonstrates how the HBM can be considered within a financial security context.…”