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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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CyberNorth & Check Point bring summit to Newcastle

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CyberNorth and Check Point will host the Cyber Leader Summit in Newcastle, bringing Check Point’s summit series to the North East for the first time.

Part of the wider TechNExt programme, the event will bring together cyber security professionals, technology leaders, policymakers and innovators. The Newcastle edition follows previous summits in London and Manchester.

For CyberNorth, the move marks another sign of the North East’s growing role in the UK cyber sector. The organisation supports around 600 businesses and more than 5,000 active professionals across the region, with links to sectors including FinTech, space, maritime and defence.

Check Point, which sells cyber security products and services to businesses and governments, said the summit would focus on issues including AI, quantum technologies, ethics, resilience and skills. Speakers are expected from regional and national organisations, including the BBC.

Regional profile

The summit is backed by the Department for Science, Innovation and Technology, which has promoted stronger cyber practices and wider AI adoption across UK regions. Its support adds a national policy dimension to an event centred on a regional technology cluster.

Jon Holden, Chief Executive Officer of CyberNorth, said: “Bringing the Cyber Leader Summit to Newcastle in collaboration with Check Point is a huge moment for the North East cyber scene. The fact that this nationally recognised roadshow is coming to the region, following events in London and Manchester, is a clear indication of the growing reputation and capability of the North East. The region is home to exceptional cyber talent, innovative businesses and a highly collaborative ecosystem. Through key events such as the Cyber Leader Summit we’re able to bring together industry leaders, innovators and future talent to help strengthen the region’s position as a key player within the UK cyber security landscape.”

The North East has sought to raise its standing as a cyber security centre as part of a broader effort to expand the regional technology economy. CyberNorth added that its relationships with the Department for Science, Innovation and Technology and the Department for Business and Trade have helped raise the area’s profile in the UK and abroad.

Sector links

Its network extends across critical national infrastructure, quantum and other technology fields, giving it reach into both established industries and emerging areas. That cross-sector presence helps make events such as the Cyber Leader Summit useful platforms for introductions, partnerships and discussion between public and private sector participants.

Charlotte Wilson, Head of Enterprise at Check Point Software Technologies, said: “We’re delighted to bring the Cyber Leader Summit to the North East in partnership with CyberNorth and as part of TechNExt 2026. The summit is designed to encourage meaningful conversations around the challenges and opportunities facing cyber security today, from AI and quantum technologies to ethics, resilience and future skills while creating opportunities for collaboration across the wider ecosystem. The North East has a vibrant and fast-growing cyber community, and it’s important for us to support and engage with the organisations, leaders and emerging talent helping shape the future of the industry.”

The event reflects a wider trend of national and international cyber security companies looking beyond London for industry engagement. Regional clusters have become more visible as employers, investors and policymakers respond to demand for cyber skills and the spread of digital risk across sectors.

That has also sharpened attention on how local ecosystems connect with national strategy. In this case, the summit’s agenda is expected to cover both current threats and longer-term issues such as skills development and the effect of emerging technologies on resilience.

A spokesperson at the Department for Science, Innovation and Technology said: “At DSIT, we always look to support the regions in their pursuit of improved cyber security practices and, increasingly, their focus on AI development and its adoption. To strengthen resilience across the UK, it is essential that the regions continue to upskill their businesses and the next generation of professionals in these frontier technologies. That a global leader in cyber tech and AI has chosen to bring their senior leader summit to the North East, is a great indication of the calibre of businesses and potential of the region. I wish the event every success.”



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Oxford pubs closing amid Tommy Robinson ‘unrest’ fears

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The controversial figure, whose real name is Stephen Yaxley-Lennon, is due at the Oxford Union tomorrow evening (Wednesday, June 17).

Yaxley-Lennon has been jailed multiple times for a variety of offences with his significant recent imprisonment in October 2024 for contempt of court.

Five roads, including St Michael’s Street next to the union, will be closed and police will be on stand-by for any unrest.

The Jolly Farmers Pub in Paradise Street said on social media that businesses were “boarding up windows” ahead of Yaxley-Lennon’s visit.

Staff outside The Jolly Farmers in 2022 (Image: The Jolly Farmers)

It said: “Businesses are going to suffer. Communities are going to suffer. Our reputation as a city is going to suffer.”

A pub spokesman confirmed The Jolly Farmers will not be boarding up, but it will be closed today for the visit.

The White Rabbit in Frairs Entry also said it will be closing early today “in solidarity with other independent businesses”.

READ MORE: Travellers at ‘unauthorised site’ in Oxford park after police notice

The pub said it is a “difficult decision”, but said the safety and wellbeing of visitors is “always a priority”.

“We hope everyone in Oxford stays safe this Wednesday,” the pub added. “Now let’s all have a nice cold pint and wait for this all to blow over.”

Meanwhile, the The Handle Bar Cafe and Kitchen also in St Michael’s Street said its licence to trade from the pavement has been revoked temporarily for the day.

Tommy Robinson (Image: PA)

A spokesman said it is due to the road closure and “likely trouble”, adding it too will shut early from 3pm “to keep staff safe”.

One businessman, who asked for him and his business to remain anonymous, said there is “growing frustration” both in businesses that may be affected and within the university at the timing of the debate, referencing other tensions elsewhere in the country.

“Some businesses in the vicinity of the Oxford Union site are definitely considering what steps need to be taken to prevent damage,” he said.

Anneliese Dodds, Oxford East MP, said: “The Oxford Union’s decision to host Stephen Yaxley-Lennon has already been rightly criticised for ignoring the views of Oxford residents concerned about its impact on community relations.

“Now it appears local businesses are also worried that they could be targeted by supporters of Yaxley-Lennon and the division he promotes.

“When will the Oxford Union’s leadership realise their behaviour is damaging our city?”





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AI scams erode trust in online identity, Malwarebytes warns

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Malwarebytes has published research on how artificial intelligence is affecting trust, scams and online identity. The survey found that one in three daily AI users think it is acceptable to create explicit images of people they know.

The report drew on responses from 1,500 adults in the US, UK, Austria, Germany and Switzerland, and pointed to growing uncertainty over whether online material is real and communications are genuine.

One of the clearest findings was a decline in confidence in digital evidence. Some 88% of respondents said it is becoming harder to tell whether online content is genuinely human or real, while 84% said convincing video evidence no longer feels like proof.

Scams were another major concern. Some 85% of respondents said they struggle to distinguish scams from legitimate communications, up from 66% the previous year.

Half of those surveyed said they had experienced some form of AI fraud or scam. Exposure was highest among Gen Z respondents at 67%, compared with 51% of Millennials, 46% of Gen X and 30% of Boomers and older people.

The data also suggested identity-related abuse is becoming more common. One in 10 respondents said explicit AI images had been made of them without consent, while 19% said they had experienced some form of AI-driven identity harm. That figure rose to 30% among Gen Z.

Trust erosion

The research described a broad weakening of confidence in basic online signals such as voice, image and video. It found that AI-generated deepfakes, voice cloning and impersonation are contributing to what Malwarebytes characterised as a breakdown in certainty over what people can trust.

Regional differences also emerged. The US recorded higher exposure to AI fraud and scams at 56%, compared with 48% in the UK and 47% across the DACH region.

At the same time, concern was not always matched by defensive action. While 81% of respondents said they fear someone stealing their family’s likeness, only 13% said they had created a family codeword as a safeguard.

Similarly, 67% said they worry about voice cloning, but only 19% said they had turned off voicemail recordings to reduce that risk. The findings also showed that 74% are concerned about experiencing a deepfake or other AI-generated scam.

The DACH region lagged the US and UK across most protective behaviours measured in the study. The report suggested this may reflect stronger institutional trust in those markets.

Changing norms

Beyond fraud, the survey pointed to a shift in attitudes about what people consider acceptable AI use. It found that 18% of respondents believe it is acceptable to use AI to generate explicit images of someone they do not know.

Among daily AI users, the picture was more striking. One in three said it is acceptable to generate explicit images of someone without their consent.

Another 32% of respondents said it is acceptable to use AI to imitate their voice or appearance, provided it is for personal use. The findings suggest concern about misuse can coexist with tolerance for practices that could enable abuse.

Mark Beare, Head of Consumer at Malwarebytes, commented on the findings.

“AI’s deepest impact isn’t on our devices; it’s on us. When people can no longer trust what they see, hear, or who they’re talking to, the damage reaches far beyond any single scam and into the building blocks of our society,” Beare said.

He also linked the issue to the wider role of cyber protection.

“Cybersecurity has always adapted, and it will again, but only if we recognize that what we’re protecting now is something far more important than data. It’s people’s ability to believe one another,” he said.

The report was based on a survey prepared by an independent research consultant and distributed through Forsta. Respondents were aged 18 and older, with the sample split equally by gender and weighted across age groups, regions and race groups.

Malwarebytes also used the publication of the findings to highlight Scam Guard, a scam-detection feature built into its desktop and mobile products. The tool provides real-time feedback on suspected scams, threats and malware, alongside digital safety recommendations.

It is also intended to reduce the stigma that can surround scam victims by offering guidance before users act on suspicious messages. The wider findings, however, indicate that the challenge may extend beyond technical detection to a deeper loss of confidence in whether online interactions can be trusted at all.



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