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Two thirds of UK adults worry about finances ahead

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Two thirds of UK adults are concerned about their finances in the months ahead, according to a survey by TSB and Lightning Reach of more than 2,000 adults.

The survey found 38% said their finances had worsened compared with the same point last year, while 31% had cut back on essentials such as food, heating and gas to make ends meet. A quarter had used savings to cover everyday costs, 16% had borrowed from family or friends, and 15% had missed or delayed a bill or payment.

The figures suggest household budgets remain under pressure, even as some people keep a closer watch on their money. Almost half of respondents said they budget every week, including 10% who do so every day. Another 32% budget once a month, while 12% said they never budget.

Debt pressure

The picture on borrowing was mixed. While 41% said they had no debt and 33% said their debt was under control, 12% said it was becoming difficult to manage and 6% said they had fallen behind on payments.

Among the 51% who said they had debt, 42% said it had increased and 25% said it had fallen, indicating debt pressure is worsening for a sizeable minority.

Energy costs also remain a major burden. A third of respondents said they spend between 5% and 10% of household income on energy bills, 28% spend between 11% and 20%, and 17% spend between 21% and 30%. One in 50 households said they spend more than 30% of their income on energy.

Separate data from Lightning Reach showed 66% of its 300,000 customers are struggling with home energy costs. Of those customers, 78% have a disability and 39% are single parents.

Barriers to help

The research also highlighted why financial support often goes unused. A quarter of respondents said they would not feel comfortable asking for support even if they needed it, while 35% said they would not know where to turn for help.

Almost one in five said they had given up when applying for support. Among them, 38% said the process was too long and complicated, while 32% said they felt too embarrassed to seek help.

The issue is significant because large sums of support remain unclaimed. TSB and Lightning Reach said £23 billion in benefits, grants and other support goes unclaimed each year.

Over the past five years, the Lightning Reach portal has connected users with £25.5 million in grants. More than a quarter of recipients received help with energy and bills, 11% received support for furniture and appliances, and 9% received help with food and essentials. The average award was £610.

Talking finances

The survey found many people still struggle to talk openly about money problems. While 66% said they were confident discussing their finances, 34% said they were not very confident and 13% said they were not confident at all.

Charities and debt specialists were the preferred option for discussing financial concerns, chosen by 88% of respondents, followed by banks and partners, both on 87%. By contrast, 31% said they were not confident speaking with family and 32% were not confident discussing financial matters with friends.

Ren Yi Hooi, Founder and Chief Executive of Lightning Reach, said: “With many households facing growing financial challenges, we aim to make it as quick and seamless as possible to access support in one place, breaking down barriers such as stigma, repetitive form filling and lengthy paperwork.

“There’s much more support out there than people realise, so it’s worth taking 10 minutes to check whether you might be eligible for one or more of the 2,500+ schemes on the Lightning Reach portal.”

Keely Newman, Head of Vulnerable Customers at TSB, said: “With concerns over finances rising, we are always pleased to hear of our customers accessing vital support through Lightning Reach, which can make all the difference to people’s budgets and wellbeing.

“If you find yourself in need of support, we’d encourage households to check their eligibility for a grant and contact their bank or a charity for advice and debt management.”

StepChange Debt Charity said early support can change outcomes for people under strain.

Vikki Brownridge, Chief Executive of StepChange Debt Charity, said: “Uncertainty around household finances is rising, adding to several years of cost-of-living pressures that haven’t gone away. Early intervention can make a real difference for people struggling with debt, and it’s vital that people know where to access support. In fact, 85% of StepChange clients say they would have sought help sooner if they could go back in time.

“For anyone struggling with debt, it’s important to speak to your creditors, who can offer tailored support and guidance. Free, impartial and non-judgemental debt advice is also always available from charities like StepChange.”



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ICO launches privacy campaign for parents of children

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The Information Commissioner’s Office has launched a public awareness campaign to help parents support children in making safer choices online. It is the regulator’s largest campaign focused on child online privacy.

Macclesfield-based design agency Nexer Digital designed and built the campaign’s online hub as the ICO’s digital delivery partner. Called Switched on to privacy, the campaign targets parents and carers of primary school-aged children and is built around the prompt “chat, choose, check”.

Research cited by the ICO found that 75% of parents are concerned their children are not making safe decisions online. The campaign aims to encourage more regular conversations about privacy between adults and children.

The online hub was built within the ICO’s existing website infrastructure. Project details show the work began in December 2025 and was delivered in two phases, starting with a mobile-first prototype tested with parents and carers before being developed into a live service.

The service runs on the ICO’s existing Umbraco platform. It was built to WCAG 2.2 Level AA accessibility standards and includes features already used across the regulator’s site, such as Welsh language translation and site search, while maintaining a separate campaign identity.

Digital build

The campaign also sits alongside the ICO’s Children’s code, which requires organisations to prioritise children’s privacy and apply high levels of data protection by default. Alongside raising awareness, the initiative is intended to influence behaviour by giving parents practical tools and guidance they can use.

Nexer Digital also added analytics tools to show how users interact with campaign material. The ICO can track activity including downloads, bookmarks and shares to identify which resources are most useful to parents preparing for conversations about online privacy.

Simon Wissink, Account Director and Partner Manager at Nexer Digital, said: “Working with the ICO on such an important and high-profile campaign has been a valuable opportunity for our team. The challenge was to create an experience that is not only accessible and easy to use but genuinely empowers parents to take action. Through user research and iterative design, we’ve built a platform that supports meaningful engagement and can evolve with future campaigns.”

The project adds to a broader relationship between the two organisations, with Nexer Digital serving as the ICO’s digital delivery partner since 2025. Founded in 2007 and formerly known as Sigma, the agency works across research, design and development projects for public, private and not-for-profit organisations.

Parent focus

This campaign focuses on parents of younger children rather than children themselves. By targeting primary school-aged users, the ICO is addressing a stage when many families are beginning to engage more regularly with apps, games, connected devices and online services used by children.

Craig Wyna, Head of Digital at the ICO, said: “Switched on to privacy is about giving parents the confidence and tools they need to support their children in navigating the digital world safely. Nexer Digital has played a key role in bringing this vision to life through a platform that is accessible, engaging and built around user needs.”

The scale of the campaign is notable for the ICO, which has increasingly combined regulation with public-facing education on data use and privacy. The 75% figure from the campaign research underlines the level of concern among parents about children’s online decision-making and gives the regulator a clear public information brief.

For Nexer Digital, the project also reflects demand for digital public services that combine accessibility standards, user testing and measurement tools in a single service. The campaign hub was designed not only to host guidance but also to give the ICO a clearer view of how people use the content, including whether they save or share it.

The agency is part of the wider Nexer Group, a Swedish technology company with more than 2,300 staff worldwide. In the UK, it has worked with organisations including NHS England, AstraZeneca and the Department for Education.

The campaign is intended to help parents have regular privacy conversations with their children using the “chat, choose, check” framework.



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Your.Cloud acquires Pure Cloud Solutions in UK push

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Your.Cloud has acquired Pure Cloud Solutions, expanding its presence in the UK market.

Pure Cloud Solutions is a managed IT and telecoms provider based in Tamworth. It serves businesses across the West Midlands and elsewhere in the UK and Europe, and will continue to trade under its existing name with its current team and leadership.

The acquisition adds another UK business to a group that operates through more than 40 companies across several European countries. Your.Cloud employs about 1,500 people and generates annual turnover of more than €350 million.

Your.Cloud backs local managed service providers while allowing them to keep their brands and customer relationships. Pure Cloud Solutions will continue to be led by Chief Executive Officer Jamie Lake.

The Tamworth company was founded in 1990 by Martin Lake and Darren Lake. It began in telephony and structured cabling before expanding into cloud, connectivity and managed IT services over more than three decades.

UK expansion

The deal is part of Your.Cloud’s push to build a broader managed services business in the UK and Europe. Financial terms were not disclosed.

For Pure Cloud Solutions, the acquisition comes as demand in the IT services market continues to shift, particularly around cybersecurity and artificial intelligence. The company said day-to-day customer relationships would remain unchanged after it joins the group.

Jamie Lake, Chief Executive Officer of Pure Cloud Solutions, said: “We’ve spent over 35 years building something we’re proud of – a business that genuinely knows its clients and delivers without the nonsense. Joining Your.Cloud lets us keep doing exactly that, while giving us the backing to move faster and offer more. The market is changing quickly, particularly around AI and cybersecurity, and being part of the Your.Cloud group gives us the platform to stay ahead of it. Nothing changes for our clients in terms of who they deal with – but a lot more becomes possible.”

Local model

Your.Cloud has built its business through a decentralised model focused on acquiring and supporting managed service providers in local markets. Those businesses keep their identities while drawing on shared expertise and resources across the group.

That approach has helped it build a network of companies serving more than 25,000 businesses across Europe in areas including workspace, security, infrastructure and connectivity. Pure Cloud Solutions now joins that portfolio as Your.Cloud seeks to expand further in the UK.

Nils Vermeulen, who oversees the TICTS segment at the group, said Pure Cloud Solutions fits the type of business Your.Cloud wants to add in the market. He cited its customer relationships and management team as key reasons for the acquisition.

Nils Vermeulen, General Manager of the TICTS Segment at Your.Cloud, said: “Jamie and his team have built a genuinely strong business – one with deep client relationships and a clear sense of what good service looks like. That’s exactly the kind of business we look to partner with. Pure Cloud Solutions’ track record and entrepreneurial leadership make them a valuable addition as we continue to expand across the UK. We’re delighted to welcome them to the group.”



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Recruiters warn AI may be screening out strong candidates

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CV-Library has published UK survey findings showing that 35% of recruiters say AI tools are causing them to miss out on strong candidates. The study also found that 27% believe strong applications are filtered out before interview.

The research is based on responses from 424 recruiters and employers and 1,067 candidates across the UK.

The figures highlight growing concern about automated screening in recruitment as employers handle larger volumes of applications. More than four in five recruiters, 83%, use AI to speed up hiring, while 28% use it to manage high application numbers.

Even so, recruiters appear unconvinced by some of the outcomes. Just 36% said AI improves speed-to-hire, while 20% reported an overall decline in candidate quality where AI is used.

Candidate frustration

Among jobseekers, 53% said they believe their application has been rejected by AI without any human review. Another 46% said unfair rejection is one of their biggest frustrations when looking for work.

The findings suggest this frustration is changing behaviour. CV-Library found that 40% of jobseekers have abandoned, or considered abandoning, an application because AI was used in the process, particularly when bots were deployed for screening.

One candidate described automated interviewing in stark terms. “Being interviewed by an AI bot felt incredibly alienating – there’s no feedback or human interaction, so you have no idea how you’re coming across. It feels like you’re being filtered out, and with so little real communication, it’s easy for the effort you put in to be completely overlooked,” said David, a part-time bartender.

Younger applicants were the most sceptical about the technology. Nearly two-thirds of Gen Z respondents, 64%, said they suspect AI is responsible for rejecting them at early stages of hiring, compared with lower levels among older age groups.

Gen Z was also the group most likely to cite unfair rejection as a frustration, at 53%, compared with 47% of Millennials and 46% of Gen X respondents.

Another jobseeker said AI had become difficult to avoid in the hiring process. “I stayed away from initial interviews with AI platforms – there’s no human interaction and it’s entirely impersonal. But now AI is in human calls too, taking notes during interviews. After three months without a job, what am I supposed to do? If AI is going to be a gatekeeper, I may as well use it to help me get through those gates,” said Simon.

Limits of AI

The survey suggests recruiters see clearer benefits from AI in administrative tasks than in assessing applicants themselves. Respondents said the technology performs best when writing job descriptions, cited by 63%, and handling tasks such as interview scheduling, cited by 38%.

Confidence fell sharply when recruiters were asked about more subjective parts of hiring. Some 72% said AI struggles to identify cultural fit, while 55% said it performs poorly at assessing soft skills.

That gap appears central to the headline finding that employers may be losing suitable candidates despite wider use of automated systems. The study suggests that speed and scale remain the main reasons for adoption, but recruiters still see a need for human judgement when reviewing applications and assessing people.

Lee Biggins, Chief Executive Officer and Founder of CV-Library, said: “Candidates have long felt that the human touch is ebbing away from the hiring process and that good people are getting screened out unfairly. This insight from recruiters in both agencies and businesses suggests their frustrations may be justified.

“It’s a timely wake-up call that not everything should be outsourced to AI, especially in recruitment where every candidate is unique. It can add value by automating some laborious processes, but good recruiters are using it to support human intuition, not replace it.”

CV-Library also set out steps for employers using AI in recruitment, including human oversight, clearer communication with candidates about where AI is used, and regular audits of tools to check for errors or bias. It said employers should keep automated systems focused on administrative work and leave final judgement on skills, personality and fit to recruiters and hiring managers.

The findings were also supported by case studies from jobseekers who agreed to share their experiences of AI-led hiring.



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