UK Consumer Digital Index 2016

The Lloyds Bank Consumer Digital Index is the first UK report of its kind to benchmark the digital and financial capability of UK consumers.

The report analyses data of one million consumers and uses unique methodology to achieve a quantitative understanding of the benefits of digital and financial inclusion.

The report builds on the success of the Lloyds Bank UK Business Digital Index, the first trackable measure of digital capability among UK small and medium-sized enterprises (SMEs) and charities. Having seen the value created by combining data analysis and supplementary survey research, Lloyds Bank has committed to creating an aligned report that would expand this approach to individuals.


The main objective of this report is to understand the links between UK consumers’ financial and digital capabilities and highlight any associated correlations. In this report we aim to explore:

  • Whether being more digitally capable can benefit consumers’ financial circumstances;
  • Whether having greater financial capability drives greater digital capability;
  • Whether there are meaningful demographic differences in financial and digital capability; and
  • The nature of the causes of exclusion, and the benefits of financial and digital inclusion.
  • Whether being financially and digitally capable can improve greater wellbeing.


The survey was created in association with Accenture and Toynbee Hall as part of our commitment as founder partner of Go ON UK - the UK's Digital Skills Alliance. We welcome thinking, cooperation and action from any interested parties to help drive progress.

Lloyds Bank UK Consumer Digital Index 2016

For more details, please download this report: