Building inclusive products for vulnerable circumstance
summary
Banks use the FCA definition of vulnerability and surface data-backed fixes: UK stats cited include 1 in 7 adults low literacy, 1 in 2 low numeracy and ~50% with under £300 savings. Concrete product moves include a homepage crisis banner, a consolidated bereavement page (search returns 54 results so prioritization matters), and merchant-category payment block for gambling. Some challengers force a 48-hour live chat re-enable step. Technologies discussed: merchant category codes, open banking, cooling-off and approver workflows.
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chapters (12)
- 0:00Start
- 1:02Building Inclusive Products for Vulnerable Circumstances
- 4:44Universal Bank
- 7:27Difference between Impairment and Vulnerability
- 7:41Permanent Impairment
- 10:01Non-Standard Banking Requirement
- 13:56Inclusive Design Principles
- 14:17Seven Principles
- 15:12Give Control
- 24:05Add Value
- 26:39Gambling Addiction
- 33:47Recap
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