What the responses show
Among participants who named a barrier in our current analysis, time was selected by 26%, knowledge by 21%, money by 20%, complexity by 20% and fear by 13%.
Based on responses from real participants at live events run by U Impact in cooperation with NTT DATA.
That spread suggests several useful conversations to explore. An educational session might address a knowledge question; a discussion about complexity could focus on how choices are explained. Each is a hypothesis to explore with the audience.
For client events, investor days and financial-wellbeing programmes, U Impact combines a branded assessment, private participant results and a facilitated discussion of aggregate patterns. Organisers leave with a readout that can inform future sessions and follow-up.
Use the pattern to open a conversation
An organiser can use these themes to prepare relevant prompts before a discussion. Ask speakers how they would respond to someone who names time, knowledge or complexity as their obstacle. Keep room for the audience to explain what those labels mean in practice.
The combined event results are a starting point for planning, not a prediction of the next room. A fresh audience assessment can reveal whether similar themes arise in that audience. The facilitator can then connect the discussion to the session purpose without assuming that one answer describes everyone.
Questions for your team
- What decision brings this audience together?
- Which themes should the facilitator be ready to explore?
- How will the organiser use the aggregate readout afterwards?
Evidence and interpretation
Based on responses from real participants at live events run by U Impact in cooperation with NTT DATA.
The percentages describe participants who named a barrier. They are not restricted to participants who felt stuck. Barrier categories describe selected answers, not a diagnosis of the underlying cause.
Aggregate-only reanalysis verified on 10 October 2026: completed response records marked valid, assigned to the Mirai 26 or Mirai 26 Day 2 cohort, and completed on 9-10 June 2026 UTC. Completions outside the event window are excluded. All included stage, momentum and barrier answers were present. The barrier base excludes responses selecting no barrier. The unit is a response record; repeat participation across days has not been ruled out. Current question wording is verified in survey-v2, but historical wording exposure is not independently established. Small subgroup bases require caution. This self-selected, cross-sectional cohort supports neither population estimates nor causal conclusions. The revised cohort replaces the earlier summary percentages, which could not be reproduced with the checked filters.
Read the cohort definitions, methods and revision note.
Read more about our methodology and financial investment behaviour: the field guide.
Put the question to work
Planning your next event? Share the audience, format and purpose. We’ll help shape a participation experience around the questions that matter to them.