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1、2022 Consumer Digital IndexThe UKs largest study of digital and financial lives2Contents UK Consumer Digital Index 2022The 2022 UK Consumer Digital Index is the seventh in its series.The study uses the behavioural and transactional data of one million consumers to build a view of digital and financi
2、al capability across the UK.Join the conversation:#ConsumerDigitalIndex#EssentialDigitalSkillsLBGplcDigitalSkillsIaHeadlines from the report:8e99%of the UK are online(see page 9)c.14.0m(27%)have the lowest level of digital capability(see page 10)One-third of the offline struggle to interact with hea
3、lthcare services(see page 16)The Digital Dividend:Tech unlocks 659 per year(see page 19)c.2.4m(4%)cannot do any of the digital basics(see page 38)35 Chapter Four Essential Digital Skills 36 The Essential Digital Skills framework 2.0 37 The Essential Digital Skills Framework FAQs 38 The Foundation Le
4、vel 42 Profile of the digitally disengaged and those on the cusp 43 Barbaras story 44 Essential Digital Skills for Life 50 Patricks story 51 Spotlight:Those not in employment 53 EDS across the regions and nations 54 Soul Foods story57 Appendix 58 Consumer Digital Index methodology 62 Essential Digit
5、al Skills methodology03 About us04 Executive summary05 Calls to action06 Foreword07 Hear from our partners 08 Index segmentation09 Chapter One UK Digital Lives 15 Spotlight:Those Offline 17 Hannahs story18 Chapter Two How is digitisation impacting UK finances?28 Mariams story29 Chapter Three Motivat
6、ion,digital upskilling and support 34 Sanas storyu3About usOver the last seven years,the Lloyds Banking Group team have used a unique dataset,analytical capabilities and research partnerships,to understand the UKs digital and financial capability.By sharing this data,Lloyds has always committed to a
7、 partnering for progress approach,working with industry partners,think tanks and Government.The insight has shaped a number of policy outcomes,community interventions and broader awareness of the impact that digital confidence and capability can have on UK plc.It has also shaped our own work.Our Llo
8、yds Bank Academy*programme was launched as a pilot in Manchester,with Greater Manchester Combined Authority,libraries and charities as key partners.Since then,we have expanded to Bristol,London,Leeds,Yorkshire and the South West.Weve also created the Bank of Scotland*and Scottish Widows*Academies,en
9、suring that more of our customer base has access to free digital and financial capability support.Small business owners and jobseekers alike,have benefited from free financial,digital resilience and skills support and with partners,our breadth of content and scale has increased.During the pandemic w
10、e delivered through webinars and via community organisations.However,recognising the necessity to help those digitally excluded,the team partnered with We Are Digital to launch a brand-new free Digital Helpline,supporting people with over-the-phone expert training,devices and data.With almost 16,000
11、 digitally excluded people supported,the service has provided much needed support at a time and place where people feel most comfortable.Through the initiatives,were able to see and understand the value and impact that digital skills and tech adoption can have.This year,we have once again combined t
12、he Consumer Digital Index with the Essential Digital Skills Benchmark.The Essential Digital Skills Framework has been measured by Lloyds Banking Group,on behalf of the Department for Education,for the last three years(2019-2021).This year,with a cross-sector representative group of partners,the Fram
13、ework has been reviewed,refreshing it to ensure it remains fit for purpose and reflective in an ever more tech-dominated world.This report is designed with and for partners.We hope it will encourage readers to understand that as we digitise our societies and economies,it is crucial that no one is le
14、ft behind.The link between digital and financial capability continues to be clear,and with the potential cost-of-living challenges possibly increasing,encouraging people to use these skills for their own benefit,as well as their friends and family,will be crucial.Thank you to everyone who continues
15、to use this report to close the digital divide across the UK.If you have any questions on the Consumer Digital Index,the Essential Digital Skills Benchmark,our propositions or partnership work,please contact us at:a DigitalSkillsI LBGplc via Twitter.“Digital underpins daily life in the UK.No one can
16、 deny that were living in a digital-first world.Our workplaces,homes and essential services are becoming increasingly digitised.As one of the UKs largest financial services organisations,our Consumer Digital Index plays a vital role in helping us to understand the UKs digital and financial capabilit
17、y,as we strive to ensure that digital is not only available,but accessible to all our customers.”Catherine RutterGroup Customer Inclusion Director,Lloyds Banking Group*lloydsbankacademy.co.uk*bankofscotlandacademy.co.uk*scottishwidowsbemoneywell.co.uku4Executive summary UK Consumer Digital Index 202
18、2Executive summaryWhere are the sticking points?As expected,these differ by age,income and circumstance,but centre around three key themes(i)affordability(ii)capability and confidence and(iii)trust in digital systems and services.Some examples include:Affordability:By May of this year,18%(c.9.4 mill
19、ion)anticipated needing to look for alternative solutions to connect to the Internet and 6%(c.3.0 million)were worried about having to give up the Internet and their mobile data altogether*.By September,Ofcom confirmed an estimated eight million households(29%)are choosing to step back from broadban
20、d and digital bills to save money*.Capability and confidence:c.10.2 million(20%)lack the digital foundations c.5.0 million(10%)cannot use an app*and c.4.5 million(8%)cannot turn on a device and enter login information by themselves*.Overall,c.5.3 million(10%)of the UK,lack both the digital basics an
21、d the essential digital skills for everyday life*.Trust in digital systems and services:The 27%who remain digitally disadvantaged and under-confident,are more likely to have been scammed multiple times and are more likely to have been victim to impersonation scams,compared to those with the highest
22、digital skills as fraudsters exploit their lack of confidence online.More than one-in-four with the lowest digital skills are missing out on the digital dividend and this manifests itself in a number of ways:Higher earnings:Comparing individuals in a similar job at a similar level,those with high di
23、gital capability are making up to 442 more per month.Financial wellbeing:The most digital check their balance more often,save more money,and save more frequently.This results in greater feelings of confidence they are almost three times more likely to feel confident when managing their money online.
24、Access to core services:This year the offline have reported the organisation they find most difficult to interact with,due to not using the Internet,is the NHS;followed by local council or government services,financial services,and utility providers.Financial resilience:Over the last five years,the
25、Consumer Digital Index has measured consumer sentiment around saving reserves and how digitisation impacts this.Engagement with online banking services has enabled the most digitally capable to save up to 659 more per year,than those with the lowest digital skills.As the report shows,people with the
26、 highest digital capability are twice as likely to have shown improvements in their financial capability and wellbeing in the last 12 months.This is particularly important against the backdrop of a challenging economic climate,and the current levels of UK financial capability.Only c.4.7 million(9%)o
27、f the UK have very high financial capability more than half(54%,c.27.9 million)have low financial capability.Those earning less than 20,000 per year manage their finances more effectively(avoiding credit card fees and not relying on their overdraft)and are much more likely to proactively reprioritis
28、e their day-to-day spending,compared to those on higher salaries.However,when asked about becoming debt-free,there was little difference across income bands this remains a priority regardless of how much you earn.And who are reaping these rewards?Since last year,c.2.6 million more people have become
29、 digital dynamos.24%of all adults are digital-first and are growing in confidence and capability.Largely,digital improvements are due to the continued expectations from the workplace,and interests in improving future job prospects.For the first time,the Essential Digital Skills study profiles the wo
30、rk-related challenges befalling those currently out of employment;people out of work are four times more likely to lack the digital skills needed for todays UK workplaces and in fact 20%(c.1.6 million)cannot do any of the digital tasks required to be proficient at work.Reading this report,there are
31、key areas to reflect on.The rising cost of living,digital poverty and the cost of connectivity,all remain significant concerns.The 2022 report evidences that,for the first time this year,higher financial and digital skills are not able to improve energy bill savings.The impact of the pace of change
32、is also cause for concern.With information changing rapidly,it is difficult for consumers to maintain trust and understanding.Finally,with millions more people doing more online and being more exposed to scams and fraud,this means online safety and security skills must remain a priority.The 2022 Llo
33、yds Bank Consumer Digital Index paints a complex picture.99%of the UK have now been online in the last three months;a significant change from the 89%in 2016 when this benchmark began.The pandemic has undoubtedly been a large catalyst;65%say they have tried something new online since the beginning of
34、 the pandemic and 90%have continued these new activities.Though digitisation has accelerated rapidly,continued access,digital confidence and capability cannot be taken for granted.Already by May this year,c.18.7 million people(35%)shared that the rising cost of living was impacting their ability to
35、go online*.27%(c.14.0 million)also still have low digital capability.New analysis explores the behaviours of those who were in the very low segment in 2019 71%of this group have remained in very low,signalling a lack of ability or motivation to change.*This data is from the Essential Digital Skills
36、2022 study.*ofcom.org.uk*See page 39 for full task wording.u5Calls to action UK Consumer Digital Index 2022The report aims to support organisations with shaping better lives for UK citizens.Individuals have so much to navigate with both the rapidly changing financial markets,and the digitisation of
37、society,services and the support landscape.With onus being placed on people to build their skills and understanding,this years Index recommendations focus on how the system needs to step up and support.Calls to actionAgainst the backdrop of online harms and with consistent data security concerns bei
38、ng raised,the newly-online and the under-confident must be supported with understanding and not just the benefits of being online,but also the potential risks they face.Organisations must support people with continued prompts and opportunities to build and renew their capability and confidence.With
39、27%of the UK still with the lowest digital capability,proficiency cannot be taken for granted.With millions of people unable to complete the digital fundamentals to get online,it is important that when they get there,the digital front-door is welcoming.Service providers and system influencers must l
40、everage research and lived-experience to shape their service,products and experience designs to be intuitive and inclusive.Ensuring accessibility and availability across both on and offline channels is important to avoid exclusion and putting people at risk of harm.How?Embedding capability support i
41、n key journeys,and proactively profiling to consumers based on their point of need.How?Ensuring inclusive design principles are applied throughout service development is essential,as well as continued embedding of security features like two-factor authentication.As campaigns mobilise across regions
42、and nations to support individuals with rising costs,it is important that they reach all citizens with clear and consistent messaging,and a hook.This is an important moment in time to profile the financial benefits digital capability brings they are a huge incentive.Skills are the means but not the
43、end goal.It is imperative consumers understand what is in it for them,in a complex and overwhelming landscape.How?Organisations need to play to collective strengths,signposting to resources,support and government grants through their own communication channels.Innovation is normally synonymous with
44、cutting-edge technology and brand-new approaches.However,the Consumer Digital Index indicates that user-led innovation,co-creating with under-represented communities,and with those who have newly adopted digital,would pay dividends for digital experience and engagement.How?Investing time and resourc
45、es to bring diversity into design processes,and to ongoing testing once launched.EducateInclusive designCommunicateInnovateu6Foreword UK Consumer Digital Index 2022ForewordWe would like to thank Lloyds Banking Group for this years Essential Digital Skills report,which once again provides an invaluab
46、le view of the UKs digital skills needs.The importance of essential digital skills to employability and participation in our digital society cannot be overstated.Ensuring adults can boost their essential digital skills is crucial to raising the UKs digital capability and ensuring all adults can gain
47、 the digital skills needed to participate in modern life,access further study,and find and progress in work.This report will be key to helping us understand the digital skills deficit right across the UK and provides vital new insights into essential digital skill levels including among those who ar
48、e currently unemployed who are over twice as likely to lack the essential digital skills needed for work than those in employment.Over the years,the Consumer Digital Index has evidenced that we are already making extraordinary progress in improving the UKs digital skills.Additionally,88%of people ha
49、ve the essential digital skills required to thrive in a digital society and 82%of working adults have essential digital skills for work.Despite this,there are still over two million people who cannot do any of the foundation level tasks,as defined in the Essential Digital Skills Framework,such as co
50、nnecting to Wi-Fi or opening applications on different devices.Free high-quality Essential Digital Skills Qualifications are now available through the digital entitlement,which are based on employer-supported national standards.From August 2023,we are also introducing new digital Functional Skills Q
51、ualifications,which will provide a benchmark of digital skills for employers.The Skills Toolkit also provides access to a wide range of flexible,free online courses in essential digital skills,as well as AI,coding,and cybersecurity.Essential digital skills are key to gaining higher level skills,and
52、we are continuing to invest in the advanced technical digital skills that the economy needs.This includes the delivery of Skills Bootcamps,the Free Courses for Jobs offer,new T Level qualifications,Digital Apprenticeships and Higher Technical Qualifications equipping people with the right digital sk
53、ills to progress into rewarding careers or higher-level technical study.We are passionate about creating a ladder of opportunity to support social mobility and social justice.As part of that,lifelong learning in essential skills such as digital,and the opportunity to gain a high-quality qualificatio
54、n,supports employment,retraining and upskilling.Improving essential digital skills in particular,allows adults to respond to changes in skills needed throughout their lives.To support this commitment,the Governments new Digital Strategy sets out our vision for harnessing digital transformation,accel
55、erating growth,and building a more inclusive,competitive and innovative digital economy for the future.We have also announced the new Digital Skills Council,to bring together government and industry to help drive digital upskilling and build a solid baseline of digital capabilities across the UK.Thi
56、s report will be fundamental in helping to shape this work.By working together to bolster the UKs digital skills,we will ensure the UK workforce is equipped to meet the demands of the digital age.Robert HalfonMinister of State for Skills,Apprenticeships and Higher EducationPaul ScullyParliamentary U
57、nder-Secretary of State for Tech and the Digital Economy“Improving essential digital skills in particular,allows adults to respond to changes in skills needed throughout their lives.”“By working together to bolster the UKs digital skills,we will ensure the UK workforce is equipped to meet the demand
58、s of the digital age.”u7Hear from our partners UK Consumer Digital Index 2022Hear from our partners“The data gathered in this years report is rich and revealing.While 99%of the population are now online large numbers are worried about privacy and security;and a staggering 5.3 million people in this
59、country dont know how to keep log-in details and passwords secure.There is clearly still so much more to be done in empowering people with the confidence and skills they need to protect themselves and make the most of the digital world.As Chair of techUKs Local Digital Capital Working Group,I am par
60、ticularly grateful to Lloyds Banking Group for allowing us to include the data in our Local Digital Capital Index this year.This enables local and devolved governments to progress policies that will help make a difference to lives of people all across the UK.”Professor Kerensa Jennings,Data Platform
61、s Director,BT Group“Fixing the digital divide has never been more important.Internet is now critical to our lives.We are a digital nation,and we are also a digitally divided nation.It is not okay that one-in-five adults still dont feel capable or safe online.Or that one-in-four people could be missi
62、ng out on a digital dividend worth hundreds of pounds each year.Or that one-in-five unemployed adults lack the digital basics for work.Thats why,at Good Things Foundation,were focusing all of our energy on creating a national infrastructure for digital inclusion:National Digital Inclusion Network,Na
63、tional Databank and National Device Bank.Together with commitment and collaboration we can fix the digital divide for good.”Helen Milner OBE,Group CEO,Good Things Foundation“The Consumer Digital Index has been crucial in tracking how people across the UK are benefitting from being online in recent y
64、ears.The fact Internet use is now almost universal is striking,but perhaps unsurprising given how essential it has become for learning,life and work;particularly since the start of the pandemic.However,as more services are delivered digitally,it is important to recognise that more than one-quarter o
65、f the population have very low digital capability.Digital access doesnt equal digital capability.We all have a role to play in building confidence and skills in our workplaces and communities.”David McNeill,Digital Director,Scottish Council for Voluntary Organisations“Thanks to Lloyds Banking Group
66、for another rich and fascinating report.The finding that more people are online is welcome,but must be viewed alongside cautionary messages that digital capability is not a fixed state.Theres more clear evidence here that digital exclusion compounds other forms of exclusion,as well as simply disadva
67、ntaging people in a digital world.The greenest shoots for Digital Unite,are in the calls for digital skills support from all areas;friends and family,colleagues,community,and,for the first time,a welcoming of the role businesses and brands could play too.If we are to continue and maintain robust upw
68、ard trajectories in terms of online access and digital skills,we should heed this and nourish extensive,collective,creative delivery and support capacity.”Emma Weston,CEO,Digital Unite“This years findings mark an important shift with 99%of the population now online,and one-quarter of the UK now havi
69、ng the highest levels of digital capability.But we mustnt fall into the trap of ignoring either the realities people face throughout their daily lives,or the regional disparities that are clear in the report.Although the pandemic was a catalyst for digital services and workplaces going online,keepin
70、g up with the diverse needs of people on the lowest incomes or those not in employment needs to be a priority especially as the UK heads into a cost-of-living crisis.”Ellie Bradley,Managing Director,Registry and Public Benefit,Nominet“It is great to see more people are online,but still worrying that
71、 there is a large percentage of the population that will struggle to engage digitally.Our own research shows one million families could find themselves on the wrong side of the digital divide in the next three months due to the cost-of-living crisis.We cannot allow this to happen.As a business,we ha
72、ve put closing the digital divide gap at the heart of our business,and as part of our everyone.connected programme,we are committed to providing connectivity,skills and technology to those most in need.”Nicki Lyons,Corporate Affairs&Sustainability Director,Vodafone UK“Whilst Im uplifted by the progr
73、ess being made,a serious issue with basic digital capability and confidence remains,holding back productivity and prosperity.Millions in the UK remain digitally underpowered.Many of these people are in work and,as this report shows,many others are currently out of work.Too many are struggling to bui
74、ld the digital basics at the pace needed.This represents a huge opportunity.By providing people with training to help them build these skills,businesses can unblock the digital talent pipeline.Not everyone with the digital basics will progress into more advanced tech roles,but no one can do so witho
75、ut them.FutureDotNow is working with industry to close the Essential Digital Skills gap and I hope many more businesses will be inspired to join us and act.”Liz Williams MBE,CEO,FutureDotNowu8Index segmentation UK Consumer Digital Index 2022The digital and financial capability segmentsIndividuals ar
76、e allocated to digital and financial capability segments based on their score(see page 58 for more information),and ultimately their digital and financial behaviours.The segments allow the report to distinguish these behaviours,tailor analysis and provide a more detailed profile on how digitally eng
77、aged consumers are,and how the UK are managing their finances.The segments are ranked from very low through to very high,from the least to the most digitally or financially capable.Figure 1 illustrates the segment definitions and a few examples of what this means for peoples digital and financial li
78、ves in 2022.Throughout the report low and high digital or financial capability may be referred to which are the equivalent of the combined segments very low and low,and high and very high.The least and most digitally or financially capable,refers to the very low or very high segments.Figure 1.UK dig
79、ital capability segment characteristics,2022Figure 2.UK financial capability segment characteristics,2022DigitalFinancialLOW47%24.3 millionVERY LOW7%3.6 millionHIGH37%19.1 millionVERY HIGH 9%4.7 million51%earn less than 20,000 per yearCheck their bank accounts four times a monthManual workers with l
80、ow engagement earn 442 less per month than more digitally engaged peers in the same roles65%are confident using the Internet but still prefer face-to-face relationships for their banking40%earn less than 20,000 per year29%would struggle immediately if suffered a financial shock34%say money worries a
81、ffect their sleep83%have reprioritised day-to-day spend on the important things40%earn less than 20,000 per yearCheck their bank accounts eight times a monthCompared to the least digitally engaged,saving 2.1 times more frequently and 4.1 times more money78%are confident using the Internet 44%earn le
82、ss than 20,000 per year 15%would struggle immediately if suffered a financial shock22%say money worries affect their sleep83%have reprioritised day-to-day spend on the important things30%earn less than 20,000 per yearCheck their bank accounts 21 times a monthCompared to the least digitally engaged,s
83、aving 2.9 times more frequently and 3.3 times more money89%are confident using the Internet 25%earn less than 20,000 per year 6%would struggle immediately if suffered a financial shock14%say money worries affect their sleep75%have reprioritised day-to-day spend on the important things18%earn less th
84、an 20,000 per yearCheck their bank accounts 46 times a monthCompared to the least digitally engaged,saving 3.6 times more frequently and 3.5 times more money95%are confident using the Internet and prefer managing money online11%earn less than 20,000 per year2%would struggle immediately if suffered a
85、 financial shock9%say money worries affect their sleep68%have reprioritised day-to-day spend on the important thingsVERY LOW27%14.0 millionLOW11%5.7 millionHIGH39%20.2 millionVERY HIGH 24%12.4 millionu9UK Digital Lives UK Consumer Digital Index 2022UK Digital LivesFigure 3.Have you used the Internet
86、 in the last three months?(e.g.desktop,laptop,mobile or tablet),2016-2022 n=2,700 2022n=2,703 2021n=2,710 2020n=2,715 2019n=2,713 2018n=2,717 2017n=2,707 201695%92%92%91%91%89%99%99%of the UK are now onlineSince the first Consumer Digital Index report was published in 2016,seven million more people(
87、increase of ten percentage points),in the UK are now online.The last year has seen the single biggest increase in those going online.Since the beginning of the pandemic,two-thirds(65%)of those online tried something new for the first time,such as shopping and paying their bills online,or working fro
88、m home.More importantly,90%are continuing these new habits,demonstrating a sustained change in behaviour.Of the 90%who say they have continued new habits online since the pandemic,they have a higher digital engagement score and have seen double the increase in score,compared to the remaining 10%(see
89、 appendix 1A).When looking at the transactional dataset*of one million people and their digital behaviours,this also evidences positive shifts.The digital engagement score has increased from 48.5 in 2021,to 50.9(5%increase),(see appendix 1A)the score shows that more people are interacting online and
90、 using technology,than ever before.*For more information on the transactional dataset and the digital engagement score,see page 58*ons.gov.uk/businessindustryandtrade/itandinternetindustry/bulletins/internetusers/2020The ONS*definition of online is having engaged with the Internet in the last three
91、months.Whilst this remains industry definition,arguably,the necessity to engage with the Internet is now daily.Seven million more people in the UK are now online since 2016u10UK Digital Lives UK Consumer Digital Index 2022When compared to the very low segment,the ultra-low are much less likely to us
92、e streaming services(2%versus 24%),use email(7%versus 28%)and 80%are aged 60+(versus 67%of the very low).VERY LOW 0-25ULTRA LOW 0-5LOW 25-50HIGH 50-75VERY HIGH 75-100-2pp2021:29%2020:33%0pp 2021:11%2020:13%-3pp2021:41%2020:43%+5pp2021:19%2020:11%Key2022 n=999,0772021 n=999,1492020 n=999,298Figure 4.
93、Distribution of the UKs digital engagement score,2022,2021 and 20200Digital Engagement Index ScoreProportion of the UK population7.1%25507510027%(14.0m)11%(5.7m)39%(20.2m)24%(12.4m)12.4 million(24%)now have the highest digital capabilityThe digital engagement score relates to four distinct digital s
94、egments(see page 8 for more information).Figure 4 shows the distribution of the UKs digital capability across the last three years,and how this has changed.Just under one-quarter(24%)of the population now have the highest level of digital capability,an increase of 2.6 million people(five percentage
95、points)in the last 12 months.All other digital segments have either decreased or stayed the same,implying a positive shift.However despite this progress,and the fact that 99%of the UK are now online(figure 3),14 million people(27%)still have the lowest digital capability.This means they are likely t
96、o struggle interacting with online services and are at risk of being left behind and left out from society.The ultra-low group There are 6.7 million(13%)people with an ultra-low digital engagement score(0-5),they have very different digital behaviours to those in the very low digital segment.New ana
97、lysis explores the behaviours of those who were the very low segment in 2019 71%of this group have remained in very low,signalling a lack of ability or motivation to changeSince 2020,there are now over 6.5 million more people with the highest digital capabilityuSee appendix 1C-1D for more informatio
98、n on age and income11UK Digital Lives UK Consumer Digital Index 202220222021Movement to Very High in 2022 from 2021 segmentsVERY HIGH 24%(n=241,656)1%0%37%59%3%Movement to High in 2022 from 2021 segmentsHIGH 39%(n=385,553)8%3%76%7%6%Movement to Low in 2022 from 2021 segmentsLOW 11%(n=105,970)55%20%2
99、1%0%4%Movement to Very Low in 2022 from 2021 segmentsVERY LOW 27%(n=265,898)4%92%0%0%4%Very HighHighKeyLowVery LowUnavailableFigure 5.Movement of the UK population between digital capability segments from 2021 to 2022n=999,077Movement from Very High in 2021 to 2022 segmentsVERY HIGH84%16%0%0%Movemen
100、t from High in 2021 to 2022 segmentsHIGH22%72%5%0%Movement from Low in 2021 to 2022 segmentsLOW1%32%58%9%Movement from Very Low in 2021 to 2022 segmentsVERY LOW0%4%8%88%Movement from Unavailable in 2021 to 2022 segmentsUNAVAILABLE*16%48%10%26%Digital capability is not a permanent stateFigure 5 visua
101、lises how digital behaviours and capability have changed over 12 months,for the same group.Whilst the majority have maintained their level of digital capability,the graph illustrates this is not always the case.For example,only 84%of those in the very high segment in 2021 have maintained this level,
102、16%are now in the high segment.Those aged 60+have driven progress in digital engagement The Consumer Digital Index data has always indicated the greatest determiner of digital capability,is age.One-in-ten of the 70-79 population improved,compared to one-in-four in the 18-24 age band.However,almost o
103、ne-quarter(24%)of those who moved up two or more digital segments were aged 60+(appendix 1C).Higher income is also likely to result in an individual upgrading their digital segment,with those in the 50,000+income tier the most likely to have improved.The lower income bands are most likely to have do
104、wngraded their capability.*Consumers in the unavailable segment didnt meet all necessary criteria to be included in the sample for both 2021 and 2022.Overall,6%have reduced their digital capabilities in the last year(appendix 1B).u12UK Digital Lives UK Consumer Digital Index 2022NORTHERN IRELANDSCOT
105、LANDWALESENGLANDWest MidlandsSouth West63%70%62%+3pp+2pp+3pp+3pp+2pp+2pp+3pp+2pp+2pp+2pp+3pp+3pp+2pp+2pp60%62%62%64%72%64%62%59%63%61%61%68%59%57%60%59%62%70%62%59%57%61%59%North EastYorkshire and the HumberEast MidlandsLondonSouth EastEast EnglandNorth WestFigure 6.High digital capability(high and
106、very high digital segments combined),split by region,2022 and 202163%60%UK AVERAGEKey2021 n=999,1492022 n=999,077Digital capability across the UK2022 sees London with the regional lead,ten percentage points above the UK average,followed by Northern Ireland(70%),East of England and the South East(bot
107、h 64%)(also above the UK average).This indicates that the North-South divide(with the exception of Northern Ireland)is still prevalent.Wales however lags behind all regions and nations,with only 59%having high digital capability.Wales launched its Digital Strategy last year,outlining a vision for di
108、gital skills,inclusion and services.The Digital Communities Wales programme has been established to reduce digital exclusion and is providing community-led support to those offline.Digital infrastructure and connectivity remain both a challenge and priority for Wales,though responsibility sits with
109、UK Government.Despite ranking highly,the East of England and the South East have made the least amount of progress since 2021.The North East however,has the second lowest digital capability,but is the region that has made the most progress in 12 months.The North-South divide is still prevalent 8u13U
110、K Digital Lives UK Consumer Digital Index 2022For activities carried out online,split by digital segment,see appendix 1E EmailBuying products and servicesOnline banking/Money managementUsing online messaging services e.g.WhatsApp/SkypeKeeping in touch via social network sites/apps such as Facebook o
111、r TwitterStreaming or downloading videos,music or TVLearningPosting or sharing photos or videosAccess information about local council or government or paying council taxOnly to access content solely to do with my workRating products and servicesShopping around to save money on energy billsLearning m
112、ore about sustainable living/being environmentally friendlyManaging my physical healthOnline gamesApplying for jobsManaging my mental healthSelling products or servicesAccessing Universal CreditFigure 7.For which of the following do you use the Internet?,split by age,2022Key18-2425-2930-3940-4950-59
113、60+93%202296%96%91%94%93%89%88%94%87%90%90%80%92%95%85%95%89%81%93%93%81%90%87%75%96%86%69%89%76%61%83%78%55%83%70%40%76%72%53%66%64%41%74%70%49%59%65%72%63%59%56%52%51%45%55%53%55%48%38%34%44%45%46%45%39%23%38%55%49%42%38%50%39%48%41%38%34%48%45%44%40%33%63%52%43%34%59%41%37%51%40%21%24%18%21%20%26
114、%31%13%26%23%32%10%23%20%27%27%6%15%11%9%28%27%20%88%88%85%76%60%59%58%38%38%32%24%22%43%41%64%43%43%14%n=2,675New responses for 2022What are the UK doing online?Email,buying products and services and managing money online,continue to be the top online activities(appendix 1E).With 1.25 million job v
115、acancies in the UK*,around nine-in-ten companies are using online social platforms,such as LinkedIn,in their hiring process*.Its vital people are digitally equipped to access the online job market,and equally important they have the skills needed for a digital workforce.Three-quarters of jobs at all
116、 levels now demand digital skills*.As figure 7 shows,those aged 18-24 are more likely to undertake activities online than those older,however they are much less likely to shop around to save money on energy bills or access local council or government information,suggesting some digital activities ar
117、e linked to life stage and circumstance.*ons.gov.uk*standout-*assets.publishing.service.gov.ukJust under one-third(32%)of those online are looking for jobs using the Internet,which has decreased three percentage points year-on-year.u14UK Digital Lives UK Consumer Digital Index 2022No,although I do f
118、eel they need improvingDigital engagement improvedDigital engagement worsenedUnavailableUnavailableStayed the sameDigital engagement improvedDigital engagement worsenedStayed the same63%5%1%31%Figure 9.Do you think your digital skills have improved in the last 12 months?,compared to digital engageme
119、nt score change(using transactional data),2022n=2,67541%43%61%33%1%Yes10%No,but I do not feel they need improvingDont know/prefer not to say6%Figure 8.How confident would you say you are using the Internet?,2022n=2,67587%7%5%Quite confident,very confidentNot at all confident,not very confidentNeithe
120、r confident,nor unconfident5%10%of the UK recognise their digital skills need improving Whilst the UK has made large strides of progress in digital capability,parts of the picture are not as positive.Figure 8 shows the majority of those online are confident in their abilities when using the Internet
121、(87%),however 6.7 million(13%)have a wavering,or lack of confidence when online.It is important to remember regular touchpoints of support are necessary to grow and maintain skills and confidence,as digital tools are constantly evolving.41%of those online think their digital skills have improved in
122、the last 12 months(figure 9).For almost two-thirds of this group this proves true,however 31%have seen their digital engagement score worsen in the last 12 months.This is also the case for those who havent recently improved their digital skills,but dont think they need improving.For those in the ver
123、y low digital segment,they are four times more likely to say their digital skills have not improved but feel they need to,compared to those with very high digital capability.Those in the very low segment are also less likely to say their skills have improved in the last 12 months (see appendix 1F).u
124、15Spotlight:Those offline UK Digital Lives UK Consumer Digital Index 20220.5 million are offlineThis year,half a million(1%)people in the UK are offline having not used the Internet in the last three months.With the improvements in digital capability,a decision was made to boost the 2022 survey samp
125、le to ensure the views of this group could still be understood(please note year-on-year comparisons are not possible).The Consumer Digital Index has presented the barriers for those offline since 2016,however it is being reported for the first time that 86%say it is their personal choice not to use
126、the Internet.Similar barriers exist in 2022,however other reasons for being offline rise to the surface Privacy and security concerns continue to persist for this group,as well as worries around identity and how organisations will use their data.However just under two-thirds say the Internet doesnt
127、interest them and 58%think the Internet is too complicated to use.Over half say they would rather spend their money on other things,and page 23 echoes this sentiment,as over one-third of the broader UK sample evidences the rising cost of living will impact their ability to go online.At least 62,000
128、have someone do something online for them,that they wish they could do themselvesAlmost two-thirds of those offline do not have anyone else in their household that use the Internet considering figure 11 and 29 shows that peer-to-peer support is so important for digital upskilling,this puts this grou
129、p at a disadvantage.12%(62,000)receive help from those they live with to do things online for them,but wish they could do the activity themselves.Figure 10.You have said that you have not used the Internet in the last 3 months.Please choose from the following options to say why you have not,2022Im w
130、orried about my privacy and securityThe Internet doesnt interest meIm worried about having my identity takenId rather spend my money on other thingsI think the Internet is too complicated to useIm worried about the way organisations use my dataIts too expensiveI dont understand the benefitsI dont ha
131、ve enough timeI dont have a device that enables me to use the Internet Poor connectivity in my area due to slow broadband speedsI want to but I dont know where I would get helpPoor connectivity due to no mobile Internet coverageI have an impairment that prevents me from using the InternetRunning out
132、 of data/Not being able to afford more data I dont have access to broadband in my areaOther11%19%17%24%23%18%32%57%24%62%35%58%32%58%36%62%59%Over half are not using the Internet due to wanting to spend their money on other things say it is their personal choice to be offline 86%n=125u16UK Digital L
133、ives UK Consumer Digital Index 202222%39%26%32%32%33%34%36%47%30%30%26%33%38%2%AccessibilityConnectivityCostDataMindsetSupportOtherThe ability to use new assistive technology e.g.Alexa,Google Assistant,SiriIf websites or apps were easier to use or understandBetter Wi-Fi or broadband provision in you
134、r areaImproved mobile coverageCheaper cost of InternetCheaper cost of devicesCheaper cost of mobile dataMore transparency about the data organisations have on me and how they are using itThe ability to easily stop organisations from using my dataNothingUnderstanding more about the benefits and what
135、you could use the Internet forFormal training or training courses(paid or free)Clear guidance on how and where to get helpGetting support from someone to help (e.g.friends and family)OtherFigure 11.Could any of the following encourage you to use the Internet?,2022 n=125119,000 could be encouraged on
136、line if support,devices and data were providedDespite these barriers,119,000(23%)people say they could be encouraged to use the Internet if they had everything they needed,such as support,devices and data,however 70%still couldnt be enticed.When asked about the different elements of support that cou
137、ld encourage someone online,the ability to easily stop organisations using their data is the top motivator,however it is also one of the most prevalent barriers(figure 10)clarity on consumer control of their data could be a real enabler for those offline.39%are keen for websites and apps to be easie
138、r to use and understand,reiterating the importance of inclusive design.One-third would be encouraged if there was clearer guidance on how and where to get help,demonstrating the need for offline signposting for digital skills support.Those offline struggle to interact with health services the mostFo
139、r the first time,the question was asked about which organisations are the most difficult to interact with,due to not using the Internet.Positively just under half dont have any issues using the services specified in appendix 1G.However for those who do struggle,health services are the most difficult
140、,which perhaps comes as no surprise,as online booking and triage systems are becoming more common and the first port of call.Council and local government services and financial and utility providers are also within the top three.All service providers should ensure they are catering for everyone,part
141、icularly during the current cost-of-living crisis,when consumers may have more of a need to contact them than in the past.uHannahs storyHannah,32,lives with her husband in Bridgend,Wales,and is a full-time stay-at-home mum of two.Hannah studied for a Health and Social Care degree,and developed funda
142、mental digital skills as part of it,however she feels very inexperienced when it comes to the Internet and really lacks the confidence to use it.Hannah has dyslexia and has always struggled with online activities,finding the Internet complicated to use and as a result was given extra time and suppor
143、t to complete her university assignments.Following graduation,Hannah made the decision to put her family first being a full-time caregiver,meaning she has heavily relied on friends and family for digital and tech support,as she isnt practicing her skills in a workplace on a regular basis.Hannah has
144、a smart phone,although she only uses it for text messages,phone calls and interactions on Facebook.She manages all of her day-to day-tasks with a paper diary and takes it with her everywhere she goes.“I cant do anything without my diary.I write absolutely everything down from my daughters dance clas
145、ses,shopping lists and even my passwords,which I know I shouldnt but I just dont know how else I would keep a track of them.”Like many,Hannah was faced with several challenges during lockdown.Having little digital capability proved very difficult when trying to support her children with virtual scho
146、ol learning and homework.She was unable to set up the laptop to access the work provided by her childrens schoolteachers,which resulted in her children falling behind.Hannahs daughters dance classes also moved online via Zoom as the local community centre was forced to close,resulting in her daughte
147、r missing out on dance training.Over the past couple of years Hannahs motivation to improve her digital skills has increased,influenced by how fast society is adopting digital and how isolated and left behind her and her family have felt.Currently,the reason Hannah hasnt done more online,is because
148、she doesnt know where to start,or how,or where to look for support.She would welcome the opportunity to learn how to stay safe online,as she believes this would give her the confidence to explore digital even more and would give her the peace of mind that shes doing everything possible to stay safe
149、from fraud and scams.“Its the fear of having big brother watching.I mean,with so many hackers and the different scams you hear of these days,its worrying thinking about what could happen,and the consequences.Its scary knowing anyone could potentially have access to my personal data if Im not careful
150、.”Hannah thinks there needs to be more support available in local communities to help people like her,as she knows shes not the only one in this situation.She also thinks there should be more awareness created and advertising for existing digital training.“I would prefer to learn digital skills in a
151、 group setting this would feel less formal,and it would give me comfort knowing that I am not alone.It is also important to have the support and understanding of others,who truly know what it feels like not being able to do things online”17u18How is digitisation impacting UK finances?UK Consumer Dig
152、ital Index 2022Digital capability segmentsVery Low Very HighVery Low1%(0.5m)3%(1.6m)Very High1%(0.5m)3%(1.6m)Financial capability segmentsHow is digitisation impacting UK finances?This chapter will focus on how technology use and digital engagement can impact financial wellbeing and behaviours.Acros
153、s the last six years,the reports have evidenced that digital skills can result in the most tangible benefits such as having access to a better range of deals,saving more money via online-only discounts,having greater visibility of spending habits or the ability to keep up with changing financial pro
154、duct offers.In order to provide a richer understanding of financial behaviours and wellbeing,new analysis has been undertaken.In line with the Financial Capability Strategy for the UK*,the data has been segmented through a new lens this considers a number of different factors,including:Control over
155、day-to-day finances Capability to absorb a financial shock The financial freedom to make choices to enjoy life Being on track to meet your financial goals For more information on the financial capability segments,please see page 8.Similarly to the digital capability segmentation,the UK population ar
156、e spread across four groups:To see how financial capability has fluctuated across the last 12 months for the same group of individuals,see appendix 2A.Figure 12 demonstrates the proportion of the UK that sit within the extremes of combined digital and financial capability segments and who they are m
157、ost likely to be.Figure 12.Percentage of the UK with a combination of low to high digital and financial capability,2022 n=999,077Who are those with low and high digital and financial capability?When looking at either end of the spectrum,the 1%and 3%are most likely to be(but not limited to):Very low
158、digital and financial capability(1%)Earning less than 20,000(60%)Male(54%)Claiming benefits(53%)Aged 50-59(25%)For more information,please see appendix 2B-2C.Very high digital and financial capability(3%)Not claiming benefits(87%)Earning 50,000 plus(52%)Female(50%)Aged 30-39(27%)*fincap.org.uk/en/ar
159、ticles/what-is-financial-capabilityAlarmingly,only 4.7 million(9%)of the UK have very high financial capability and more than half(54%,27.9 million)have low financialwellbeing3.6m(7%)have very low financial capability24.3m(47%)have low financial capability 19.1m(37%)have high financial capability4.7
160、m(9%)have very high financial capability9%37%7%47%u19How is digitisation impacting UK finances?UK Consumer Digital Index 2022Figure 13.Financial and digital capability,by age,2022KeyDigital capabilityFinancial capability807060504030202050804070306090100AgeAverage scoren=979,546People with high digit
161、al capability are twice as likely to have improved their financial capability in last 12 monthsWhen looking at the same group of individuals over the last 12 months,overlaying their financial capability segments with digital capability,this shows that those with the highest digital skills(compared t
162、o those with the lowest)are twice as likely to have improved their financial wellbeing.This also means the most digital are (in comparison to those with the lowest digital capability):11 times more likely to check their bank balance Saving 3.6 times more frequently Saving 3.5 times more moneyThe Ind
163、ex has consistently evidenced that younger age is the greatest correlating factor with digital capability and older age correlates to increasing financial capability and reserves.As seen in figure 13,there is a much larger difference for the digital capability scale by age,than for financial wellbei
164、ng.On average,people with very high digital capability are saving 659 more than those in the very low segmentu20How is digitisation impacting UK finances?UK Consumer Digital Index 2022Figure 14.The most digitally capable are X times more likely to check their bank balance,are saving X times more fre
165、quently and saving X times more money,compared to those with the lowest digital capability,split by those aged 18-29,40-49,70-79,20228.28.314.75.74.68.4Saving X times more money8.03.36.4Saving X times more frequentlyKey18-29 year olds70-79 year olds40-49 year oldsFigure 15.The most digitally capable
166、 are,X times more likely to check their bank balance,are saving X times more frequently and saving X times more money,compared to those with the lowest digital capability,split by personal annual income,2022KeyLess than 20,00050,000+20,000-50,00011.710.011.7X times more likely to check their balance
167、3.03.12.3Saving X times more frequently2.21.83.0Saving X times more moneyX times more likely to check their balanceRegardless of age and income,digital capability has a positive impact on personal financesAs figure 14 shows the difference that digital capability can make is more stark for those aged
168、 70-79,as the digital disparity for this age range is wider and therefore the benefits are more acute.Figure 15 shows that digital skills benefit individuals regardless of how much they earn.The Consumer Digital Index data also evidences those on a lower income manage their finances more effectively
169、(such as avoiding credit card fees and not relying on their overdraft),and those earning less than 20,000 per year,are much more likely to reprioritise their day-to-day spending on what is important to them,compared to those on higher salaries (appendix 2D).However,when focusing on becoming debt-fre
170、e,there is little difference across income bands,highlighting that this is a priority for everyone,regardless of how much money an individual earns(appendix 2D).u21How is digitisation impacting UK finances?UK Consumer Digital Index 2022LOW11%5.7 millionHIGH39%20.2 millionVERY LOW27%14.0 millionVERY
171、HIGH 24%12.4 millionManual workers with low engagement earn 442 less per month than more digitally engaged peers in the same rolesOver half(51%)earn less than 20,000 per year32%have had no money management advice or guidance from listed sources65%are confident using the Internet but still prefer fac
172、e-to-face relationships for their bankingCheck their bank accounts four times a monthCompared to the least digitally engaged,saving 2.9 times more frequently and 3.3 times more moneyOne-third(30%)earn less than 20,000 per year23%have had no money management advice or guidance from listed sources89%a
173、re confident using the InternetCheck their bank accounts 21 times a monthFour-in-ten(40%)earn less than 20,000 per year25%have had no money management advice or guidance from listed sourcesMore likely to use a tablet for online banking than customers in the Very High segmentCheck their bank accounts
174、 eight times a month78%are confident using the Internet Compared to the least digitally engaged,saving 2.1 times more frequently and 4.1 times more moneyCompared to the least digitally engaged,saving 3.6 times more frequently and 3.5 times more moneyOnly 18%earn less than 20,000 per year20%have had
175、no money management advice or guidance from listed sourcesCompared to the least digitally engaged,are saving 659 more per year95%are confident using the Internet and prefer managing money onlineCheck their bank accounts 46 times a monthFigure 16.High level trends in peoples financial lives,split by
176、Digital Engagement Segment,2022How is digitisation impacting UK finances?Figure 16 demonstrates how those with greater digital capability see more benefits from being online the Digital Dividend.Within each digital segment,we can see the impact that digital confidence and capability can have on fina
177、ncial behaviours and the fiscal wellbeing of UK citizens.u22How is digitisation impacting UK finances?UK Consumer Digital Index 2022Figure 17.Transaction category spend value percentage change,2022,2021,(see appendix 2F for more information on transaction categories)Petrol24%Credit card13%Restaurant
178、8%Supermarket2%Debit card1%Other Retail-4%ATM-2%Cheque-2%Hobbies-2%Skills are not changing the billsIn previous reports,there has been a consistent link between people with higher digital skills spending less on their utilities irrespective of their income size or household differences.This,owing to
179、 the ability to shop around for different prices and better deals.In light of the recent energy crisis,the data shows that digital and also financial capability are having no impact on the value of energy bill payments.This is perhaps to be expected as comparison websites are no longer featuring ene
180、rgy deals,and advice from influential experts such as Martin Lewis,is to stay with current energy providers.When looking at the number of payments made per month,those making more than one payment are more likely to pay a higher amount compared to those making just one payment a month(and likely to
181、be paying via direct debit),however this group are likely to have seen a smaller increase in their energy payments overall.Those making multiple payments across a month period are more likely to be female,highly digitally engaged,but have lower financial wellbeing(personal income was less of a facto
182、r than might be expected).Whilst their financial score indicates that they could struggle to manage their finances,their higher digital skills could enable them to shop around and set up direct debits in the future.How are spending habits changing?The Office for National Statistics(ONS)reports infla
183、tion at 10.1%for the 12 months up to September(up from 9.9%in August),the highest its been in almost 40 years(the governments target for inflation is 2%)*.A deeper dive into spending habits has been carried out to understand what this means in reality for consumers.Considering the increasing cost of
184、 living,supermarket spend has only increased by two percent,and non-essentials such as retail shops and hobbies have decreased by four and two percent respectively.However,restaurant spend has increased considerably,indicating people may be taking advantage of post pandemic circumstances.Across the
185、last 12 months,the largest increase in spend was fuel,with individuals spending almost one-quarter more than they had previouslyWhen comparing average monthly energy payments between 2021 and 2022,8%have continued to pay a similar amount and nearly 70%have seen an increase of up to 80%in their energ
186、y bill payments(appendix 2E)* is turning to discount supermarketsSupermarket and food spend is an essential cost for any UK citizen.Overall,food shop spend is on the rise(2%),however when looking at spending habits,there is an increase in use of discount supermarkets(e.g.Aldi and Lidl).Discount spen
187、d has risen by seven percent compared to a decline of three percent for top-end supermarkets (e.g.Waitrose and Ocado).For those with low financial and low digital capability,their highest increase in supermarket spend is for discount shops(seven percent increase)(appendix 2G).This is perhaps due to
188、these supermarkets providing more cost-effective options,and other suppliers pushing their discount and reward schemes online via apps,making it harder for those with little digital knowhow to benefit.Figure 18.Supermarket(SM)type and change in average monthly spend,2022,2021 (for more information o
189、n supermarket type,see appendix 2H)-3%-1%0%6%7%00000SM discountSM otherSM valueSM mid rangeSM top endu23How is digitisation impacting UK finances?UK Consumer Digital Index 2022Figure 19.Proportion of adults aged 18+,and the impact the increased cost-of-living will have on their Internet usage,2022 n
190、=4,09935%(c.18.7m)NET:The rising cost-of-living will impact my ability to go online22%(c.11.5m)I have already taken steps to reduce costs associated with Internet or mobile data usage to allow me to continue to afford my other bills14%(c.7.1m)I will have to look for cheaper Internet or mobile data p
191、lans to be able to afford my other bills4%(c.1.9m)I will need to rely more heavily on libraries or community centres for device usage or free Wi-Fi3%(c.1.6m)I will not be able to afford to start using an Internet or mobile data plan of my own4%(c.2.1m)I will have to give up Internet or mobile data t
192、o be able to afford my other bills6%(c.3.0m)I will have to make more use of public Wi-Fi hotspots to save my mobile dataWill have to look for alternative solutions to connect to the Internet 18%(c.9.4m)Will have to give up or wont be able to afford Internet or mobile data 6%(c.3.0m)Online money mana
193、gement and scamsGiven the rapidly changing nature of digital behaviours,the importance of being safe online has never been more crucial.Those online with higher digital skills,are more exposed and have a greater chance of falling foul to scams those with the highest digital engagement are over 11 ti
194、mes more likely to be scammed than those with the lowest digital capability(of those scammed,46%were in the very high segment and 4%were in the very low segment).While people with very low digital capability are less likely to have been scammed,they more likely to have been defrauded multiple times(
195、compared to those in the highest digital segment).This group are also more likely to have been victim to impersonation scamming,with fraudsters exploiting their lack of confidence online.Consumers aged 70+are nearly twice as likely to have been scammed multiple times,however over two-thirds who have
196、 been scammed are under the age of 50.The rising cost-of-living will impact peoples ability to go online As part of the 2022 Essential Digital Skills survey,a specific question was asked in relation to the cost of living and how this will affect consumers ability to go online.c.18.7 million people(3
197、5%)have acknowledged that the rise in cost of living will impact their ability to go online.By May 2022,c.11.5 million(22%)had already taken steps to reduce costs associated with going online to help them afford other household bills and c.9.4 million(18%)say they will have to look for other alterna
198、tive solutions to connect to the Internet.Amongst those who will have to look for alternative solutions to connect to the Internet,c.1.9 million(4%)anticipate becoming more reliant on libraries or community centres to use the free devices and Wi-Fi available.c.3.0 million(6%)UK adults say they will
199、either have to give up or wont be able to afford to start an Internet or mobile data plan of their own.Around 3.5%of those who are eligible for cheaper broadband tariffs,are currently on one meaning four million UK households are missing out*.*ofcom.org.uk/research-and-data/multi-sector-research/aff
200、ordability-of-communications-services *bbc.co.uk/news/business-63287452* data from Ofcom*,suggests that around eight million(29%)UK households struggle to afford services such as home broadband,a mobile phone,a landlineor TV servicesRomance or dating scams,have risen by 16%since 2021 and each victim
201、 lost around 8,650 on average*u24How is digitisation impacting UK finances?UK Consumer Digital Index 2022Figure 20.Does your current financial situation cause you to feel stressed or overwhelmed?,2022,2021 Key2021 n=2,7032022 n=2,700KeyAgree/strongly agreeDisagree/strongly disagreeDont know/prefer n
202、ot to sayNeither agree nor disagree+4pp33%29%Yes often,or some of the time67%71%No-4ppI feel on top of my day-to-day finances9%1%9%82%Worrying about money often affects my sleeping73%1%8%19%The way Im managing my money means I can enjoy my life9%1%10%80%Im on track to have enough money for my future
203、 needs20%2%15%63%Figure 21.When it comes to how you think and feel about your finances,how much do you agree or disagree with these statements?,2022 n=2,700One-third of the UK feel stressed or overwhelmed by their finances When it comes to how people think and feel about their finances,33%feel stres
204、sed,which has increased by four percentage points in the last 12 months.Digital capability continues to have a bearing on this the more digitally capable are more likely to feel overwhelmed(37%),compared to those with lower digital capability,perhaps due to having greater awareness of their bank bal
205、ance and it can be viewed anytime anywhere however those with the least digital skills have seen more of an increase in feeling stressed year-on-year(plus five percentage points)(appendix 2I).Younger people,aged between 18-24,are more than twice as likely to say their financial situation causes them
206、 to feel stressed or overwhelmed,compared to those aged 60-79(42%versus 20%)(appendix 2J).Income is also a correlating factor,with over one-third of those who feel stressed earning less than 20,000 per year(appendix 2K).Figure 21 shows one-in-five(19%)of the population also say that worrying about m
207、oney often affects their sleep.41.4 million have a positive financial outlookHowever,figure 21 also shows around 80%(41.4 million)have a positive outlook on their finances,and feel on top of their money,also agreeing the way they are managing their finances means they can enjoy life.Significantly le
208、ss,but still a majority,63%say they are on track to have enough money for their future needs.This does mean there is a large proportion of the UK who dont feel as on track for future plans.Those not on track to have enough money to meet their future needs are most likely to be (but not limited to,co
209、mpared to UK sample):Have low financial capability(60%versus 46%)Aged 40-59(53%versus 41%)Earn up to 20,000 a year(41%versus 32%)Have very high digital capability (34%versus 31%)u25How is digitisation impacting UK finances?UK Consumer Digital Index 2022You are focused on being debt-free81%You have r
210、e-prioritised your day-to-day spending on what is important to you79%You are more inclined to spend your money on things that you enjoy without thinking about the future consequences 37%Key2017 n=2,7172021 n=2,7032022 n=2,70014%14%14%13%10%8%6%6%4%5%11%12%12%12%12%11%11%9%38%42%38%Figure 22.Imagine
211、now that you suffered a financial shock and you suddenly lost your regular income.Based on financial reserves you have in place,for how many months do you think you could cope,i.e.paying living expenses like food and bills,if no replacement income was immediately available?,2022Would struggle immedi
212、ately Could cope for one monthCould cope for two monthsCould cope for three months Could cope for more than three monthsDont knowPrefer not to say n=2,700Figure 23.Thinking about your financial priorities and how these have changed in the past 12 months,would you say that,202241.9 million are focusi
213、ng on becoming debt-freeAround four-fifths(41.9 million)are focusing on becoming debt-free and are reprioritising their day-to-day spend,to perhaps ensure they can maximise their disposable income due to other rising bills to enjoy life or save for unexpected future needs.Over one-third of the UK ar
214、e spending without thinking about the consequences,and the following demographics are most likely to have agreed with this statement(but not limited to):Aged 18-24(47%)Earn 60,000-70,000(46%)Male(40%)Have very low digital capability(40%)Have very low financial capability(39%)Rising financial uncerta
215、inty Due to the current economic crisis,people in the UK are likely to need to turn to their financial reserves or are possibly more likely to receive a financial shock,as many day-to-day expenses increase.Figure 22 shows that 12%(6.2 million)continue to say they would struggle immediately if they w
216、ere to be subject to a sudden unexpected bill or loss of income.These people are largely likely to be(but not limited to,compared to UK sample):Benefit claimants(61%versus 31%)Have very high digital capability (42%versus 31%)Have an impairment(32%versus 16%)Aged 30-39(24%versus 18%)For more informat
217、ion see appendix 2L.Since 2017,there has been a decrease in those who would struggle immediately or could cope for one to three months.There has been an increase in those who werent able to specify an exact time period,indicating a rise in financial uncertainty.Those who dont know how long they coul
218、d cope are most likely to be(but not limited to):Female(56%versus 47%)Are in the high digital capability segment (53%versus 47%)Benefit claimants(39%versus 31%)Aged 18-29(28%versus 19%)For more information see appendix 2L.u26How is digitisation impacting UK finances?UK Consumer Digital Index 2022Key
219、Agree/strongly agreeDisagree/strongly disagreeDont know/prefer not to sayNeither agree nor disagreeI prefer to manage my money online than via other banking channels71%20%8%I use the Internet to invest money and/or to buy or sell stocks and shares17%77%5%More of my spending is done online these days
220、66%25%9%I use budgeting tools/online financial calculators to help manage my money22%70%8%Using buy now,pay later Internet shopping sites and apps help me to budget better21%70%8%1%Managing my money online helps me to save more for the future60%26%14%1%I use the Internet to keep track of my pension/
221、retirement savings44%48%7%1%I use the Internet to help boost my credit score29%57%12%1%Using the Internet means that I am more confident when managing my money69%18%12%1%The benefits of managing money online Using the Internet has many benefits financially those who manage their money online (in com
222、parison to those who dont)are:2.6 times more likely to check their balance Saving 2.2 times more frequently Saving 5.1 times more moneyOver two-thirds(69%)agree that using the Internet means they are more confident when managing their money.However,there is still the opportunity for further support.
223、Around one-fifth use online budgeting tools or calculators to support with their finances and under 29%are using the Internet to their advantage to boost their credit score.An individuals credit score can potentially have a large impact on someones life,and the choices they have available,so should
224、be considered a key opportunity for improving financial wellbeing.The majority of the responses in figure 24 are more highly correlated with younger age,with the exception of keeping a track of pension and retirement savings online,as this is more life-stage specific.For those aged 18-29,the largest
225、 differences compared to those aged 60+,are using online money management to help them save more for the future and using the Internet to boost their credit score.Using the Internet to invest money or buy stocks and shares has the smallest difference(see appendix 2M for more information).By income,t
226、he majority of the responses in figure 24 are more highly correlated with higher annual income,with the exception of using buy now pay later shopping sites and apps to help budget better,assumedly due to having less disposable income and needing to use other means.For those earning more than 50,000,
227、the largest differences compared to those earning less than 20,000 per year,are using the Internet to keep track of pension and retirement savings and more spend now being done online.Using buy now pay later facilities has the smallest difference(see appendix 2N for more information).Figure 24.To wh
228、at degree do you personally agree or disagree with each of the following statements about using the Internet to help manage your finances?,2022 n=2,675There is similar use of buy now pay later facilities to help budget,across all income bandsu27How is digitisation impacting UK finances?UK Consumer D
229、igital Index 2022Figure 25.Which of the following ideas,if available,would help you to manage your finances or become more financially confident?,202247%Skills learning(e.g.short video tutorials or how to guides)46%Helpful financial tools(e.g.online budgeting tool)44%Ability to set transaction limit
230、s on your accounts(e.g.how much cash you can withdraw through an ATM each week)41%A trusted person(i.e.a close friend or family member)who can access basic information on your accounts to help you when you need it23%None of theseFinancial help and supportFigure 25 shows the means and methods that wo
231、uld support the UK in becoming more financially confident,considering 27.9 million(54%)have low financial capability,this should be a real focus for industry.Looking across different demographics,there is a strong correlation with younger age and each of the means for becoming more financially confi
232、dent.Those with a lower income prefer turning to a trusted person whereas those on higher income prefer using helpful financial tools.A trusted person is important regardless of someones digital capability,is more heavily favoured by someone living with two or more impairments,or someone claiming be
233、nefits.For those claiming benefits,they are also more likely to prefer having the ability to set transaction limits,compared to those not claiming benefits,however budgeting tools and skills learning are much lower down their priority list.For more information,see appendix 2O.n=2,700u28Mariam and he
234、r husband have recently become new parents.Her husband,Ali,works in a warehouse six days a week to support his young family,and Mariam is a stay-at-home Mum.In the early months of parenthood,Mariam began to feel isolated,and she had no family support.To help with her loneliness she started to spend
235、more time shopping online,particularly during the night feeds.The habit spiralled and Mariam was soon hiding parcels of baby clothes from Ali.During a visit to the Health Centre,Mariam asked about joining mother and baby groups to make new friends.She was referred to Get Families Talking*,an Online
236、Centre run by Smartlyte.Mariam took part in the Families Talk Money programme,which was not only a great way to meet other Mums,but also provided the chance to learn new skills on managing household finances.Mariam quickly made new friends and soon felt at ease discussing her spending habits.She sha
237、red that she had three mobile phones,all with separate contracts,which she used for different purposes.Discussing this with the group,Mariam realised that she could make immediate savings by reducing her phone contracts down to one.Mariam was also introduced to comparison websites and learnt how to
238、shop around for better deals.As her online confidence grew,she also started to explore how she could increase her income by selling the baby clothes online that she no longer needed.She learnt how to download apps to help her sell and soon found herself recouping some of the money she had initially
239、spent.As Mariam was doing more online,she was keen to learn how to stay safe,especially whilst managing her money through online banking.Mariam now sees the benefit of banking online as she can immediately see how much she has,and how much she is spending,which makes it easier to save for things suc
240、h as family days out.Mariam now sets herself a strict monthly budget to manage the household finances and talks more openly with her husband about how to better manage their money together.During lockdown,Ali unfortunately lost his job which reduced the family income.Mariam was able to apply the ski
241、lls she had learnt at the online centre to help Ali with searching for jobs online.He soon found work again.Mariam is also using her newfound skills to upcycle her wardrobe.Through watching YouTube videos,she is discovering practical ways to alter her clothes,rather than buying brand new.Mariams sto
242、ry“By attending these sessions,I have made friends and developed new skills.I am more confident in how to manage my finances online.I now see a future for myself and my family.Seeing my savings increase,gives me the motivation to keep learning and to share what I have learnt with friends and family”
243、“I continue to use my learning to my advantage,whether its shopping for deals and selling items online,or managing my money through online banking,I cannot express how upskilling on the Internet has empowered me to take ownership of my familys money”*getfamiliestalking.co.uku“I had no option”“Helpin
244、g out my parents with mobile banking and shopping”“Due to being hacked”“Im always motivated by curiosity”“Because I was lonely”“I started my own business”“My quality of life is improved by being online”“I can do things more easily online”“Everything is online these days”41%of respondents also gave a
245、nother response beyond what is captured in figure 26.Some of those reasons include:Motivation,digital upskilling and support UK Consumer Digital Index 202229Figure 26.What was the trigger or motivation for improving your digital skills?,2022 n=1,089Needing to work at homeI had more time to improve m
246、y skillsBoredom during lockdownI have chosen to do tasks online I would normally do in person due to the CoronavirusNo particular reasonChance to develop skillsVideo conferencing/video callsWanting to improve your performance and productivity at workKeeping in touch with friends and/or familyShieldi
247、ng/quarantining during Coronavirus crisisI was encouraged by my employer to do it for my current roleLearn new skills to boost employment prospectsHome schoolingLife event e.g.having a baby,moving house,bereavementOpportunity to get support from friends or family membersCheaper cost of devices and I
248、nternet access Someone telling me about the benefits I personally could have by being onlineI was encouraged by my employer to prepare for future role(s)Wanting to access online savings opportunities i.e.vouchers,discount codesFreely available online training coursesNeeding to access Universal Credi
249、tMotivation,digital upskilling and support Motivation is an important ingredient for inclusionWithout personal incentive,there is little chance of upskilling and digital engagement.91%of the UK are choosing to improve their digital skills for personal reasons,and almost two-thirds(64%)say they are u
250、pskilling for work(over half,56%,are upskilling for both life and work)(appendix 3A).Work and employment related reasons continue to be a key driving factor,a trend maintained from last year.The workplace continues to move the UK online Whether it is the ongoing need to work from home,boosting emplo
251、yment prospects or encouragement from employers,collectively,work remains a key reason for digital engagement.Figure 26 shows the need to work from home was a stimulus for 17%of the population to gain digital skills.Whilst during the first UK lockdown in April 2020,47%of people worked from home,hybr
252、id working is now on the rise,and in 2022,around 36%of the workforce now work remotely*.Of those who specifically selected work-related reasons(26%):63%selected needing to work from home 29%wanted to improve their performance and productivity at work 25%said they were encouraged by their employer to
253、 do it for their current role.For more information see appendix 3B.1%2%2%3%2%3%3%7%4%3%7%8%5%17%8%10%7%9%8%12%10%Have upskilled for work related reasons*ons.gov.uku30Motivation,digital upskilling and support UK Consumer Digital Index 2022Figure 27.Manual and office workers who are confident using th
254、e Internet,split by low and high digital capability,2022 versus 2021KeyHigh digital capabilityLow digital capabilityUK average (Office/Manual workers)Manual and office workers with lower digital capability have seen the most progress in their online confidence Office workers(+8pp)90%Manual workers(+
255、15pp)78%(+1pp)92%(+4pp)89%(+3pp)96%(+1pp)97%Percentage point(pp)difference,2022 vs.2021ppThe following demographic sub-groups were the most likely to give a work-related answer,in comparison to the UK average(26%):See appendix 3C for more information.External environments shape motivations for digit
256、al engagement Having more time due to lockdown constraints has been a key factor in the improvement of digital skills.Having more time to improve my skills and boredom during lockdown are within the top three triggers for moving online.As such,as the UK transitions out of the pandemic,it is key that
257、 motivations continue to be monitored and understood.Just as the pandemic was an incentive,so now is the rising cost of living.The benefit to financial capability is evidenced those with the highest digital capability say the following about being online,compared to those with very low digital abili
258、ties:78%say they are more confident managing their money(compared to 27%)69%say by managing their money online,it helps them to save money for the future(compared to 20%)44%say it helps them to boost their credit score(compared to 9%).See appendix 3E for more information.Ge8Aged 25-29 (41%)From the
259、East Midlands(33%),North West(31%)or London(31%)Do not claim benefits (29%)Earning 20,000+per year(32%)Have the highest digital capability(31%)Do not have an impairment(28%)Female (30%)As shown in Figure 29(page 32)the workplace also provides one of the most effective ways to improve capability for
260、two-thirds(63%)of the UK this increases to 83%for 18-24 year olds(appendix 3F).Peoples role types also influence their attitudes to digital upskilling.Office workers are more likely to cite upskilling for work-related reasons regardless of their digital capability(appendix 3D).96%of them have also s
261、aid they are digitally confident.This is not the case for manual workers those already exhibiting higher digital capability are more likely to want to improve their digital abilities for work(appendix 3D)and 89%are confident online.u31Motivation,digital upskilling and support UK Consumer Digital Ind
262、ex 2022Communication/keeping in touch with family and friends58%None of these I am not looking to improve my digital skills in these areas13%Handling information and content49%Social media42%Creating skills51%58%Problem solvingEmployment/career progression46%Money management/online finances53%58%Cyb
263、ersecurityFigure 28.Which of the following areas,if any,would be of interest if looking to improve your digital skills?,split by age,2022n=2,67561%67%69%61%62%52%65%65%59%63%62%59%53%54%56%44%46%62%70%63%64%56%45%38%61%59%55%64%55%63%35%31%46%46%52%58%68%66%65%55%38%57%41%47%43%38%34%8%10%12%9%9%17%
264、17%2022Key18-2425-2930-3940-4950-5960+Which skills do people want to improve?Figure 28 demonstrates the key areas that those online,are looking to improve.Understanding that age is a key determining factor,figure 28 shows how age influences skill needs.46%of those online are looking to improve their
265、 digital use for employment and career progressionThose with the highest digital capability are twice as likely than those with very low digital capability to want to improve their career prospectsu3280%81%79%79%74%68%72%63%69%43%47%57%63%39%35%38%35%38%33%31%32%31%30%2%2%1%1%None of theseOtherSchoo
266、lEvening classesOver the telephoneLocal support(e.g.online centres,local library)Bank staffGroup learning sessionLarge company/recognisable brandThrough workFamilyFriendsFace-to-faceSelf-taughtOnline information sources(e.g.YouTube)Key2021 n=2,5592022 n=2,675Online,self-led learning pips family and
267、friends to the postFigure 29 shows the methods through which people find it easiest to learn new tech skills(individuals could select multiple responses).81%of people identified that online information,including sources such as YouTube,would be the easiest way to learn new digital skills,remaining t
268、he most popular year-on-year.Similarly,79%of people would rather be self-taught,preferring to learn at their own pace as this provides the flexibility to pick and choose materials that suit individual needs.Family and friends continue to be an important route to upskilling and enables digital learni
269、ng to start at home(69%and 72%respectively).They have also both increased by six and five percentage points respectively since 2021,highlighting the growing role of familiar faces.Figure 29.What would be the easiest way for you to learn new skills?,2022 Motivation,digital upskilling and support UK C
270、onsumer Digital Index 2022See appendix 3F for a range of demographic splits for learning preferencesNew responses for 2022u33Motivation,digital upskilling and support UK Consumer Digital Index 202214%Less than one week1-3 weeks15%4-6 months12%7-12 months11%Longer then a year25%7 weeks-3 months11%4-6
271、 weeks11%Figure 30.Over what time period would you be looking to improve your digital skills in these areas(Areas relate to those in figure 28)?,2022n=1,036Top learning preferences for those less confident online Family 68%Face-to-face 64%Friends 59%Top learning preferences for those more confident
272、online Online information 85%Self-taught 83%Face-to-face 75%Scale 0-50%Large brands and local support centres are vitalThere is an increasing importance for organisations of different shapes and sizes to continue to provide digital skills support,such as large recognisable brands(47%),bank staff(38%
273、)and local support providers such as online centres and local libraries(38%)each have increased by three percentage points since last year.Multi-channel support remains importantIt is no secret that a blended approach to learning is preferable,and given that figure 29 allowed multiple answers from r
274、espondents,this provides a helpful steer for the learning preferences of the UK today.Having an environment that suits the learner and their needs,and a variety of options available is crucial.81%of people use online learning 74%find face-to-face support valuable 63%get digital learning through work
275、 33%use telephony services for digital supportNew responses were asked this year,including group learning(39%)and receiving support over the telephone(33%)those with the highest digital capability prefer group learning compared to those with the lowest digital capability.Both people with high and lo
276、w digital capability find telephony support helpful.Confidence influences learning stylesLearning preferences vary when people already have digital confidence and capability,versus when they do not.There is a clear preference for those who are more confident for self-led learning,either finding the
277、information online,or teaching themselves.For those who are less confident,their top preferences tend to be through more informal networks such as friends and family and face-to-face.These channels are still important for the more confident population.Three-quarters prefer shorter,sharper learning R
278、ecognising the different learning methods now available,from YouTube to formalised courses,this year has included the first survey of learning duration preferences.56%responded dont know as duration is subject to the topic and learning outcomes(see appendix 3H).However,when removing this response fr
279、om the dataset,three-quarters are interested in learning periods of less than a year,and prefer to consume information in shorter,sharper bursts.Digital capability doesnt have much bearing on the learning duration preferences,although those with the lowest digital capability are more likely to want
280、to learn information for longer than a year(14%)compared to the most digital(9%)(appendix 3I).(See appendix 3G for the full list of preferences).uSanas storySana is 42 years old and lives in Leicester with her three children.She came to the UK from Yemen with her husband.He did everything to set the
281、 family up for their new life,taking care of all paperwork and finances.He unfortunately passed away in 2019,and Sana struggled with depression and anxiety,only venturing out for the school run and had to heavily rely on her eldest 17-year-old son for support.Sana registered her family for Universal
282、 Credit to help them cope,and it was suggested by a Jobcentre Plus representative that she could take advantage of free English language classes.She was signposted to Get Families Talking*,an Online Centre run by Smartlyte,for help and support.Sana attended a few of the Get Families Talking sessions
283、.To begin with,she was understandably quite withdrawn and felt extremely out of her comfort zone.She slowly started to come out of her shell and began to practice her English more frequently,interacting with other women who attended.Sana started to join other learning sessions available that would h
284、elp her to manage her finances better.Her confidence slowly grew as she became more comfortable with the processes and how to track her expenditure and bills.Previously,Sanas family were using a pay-as-you-go sim to access the Internet,which was very costly and never enough for what the family neede
285、d to do.Sana also didnt really know how to use the Internet to her advantage.Attending a local databank surgery,Sana was given a free data card,which made things much easier and was one less thing for her to worry about the children were able to complete their homework,she could interact with her GP
286、 online,log onto her childrens school website,and the family could video call their grandparents in Yemen.Get Families Talking also showed Sana how to access and manage her Universal Credit and view her bank balance online.As Sanas confidence grew,she also felt strong enough to take herself to the p
287、ark whilst the children were at school,for some fresh air and a change of scenery that she needed.On days she feels unable to go out,she is now able to shop online to get supplies,and when her anxiety is severe,she watches news updates and YouTube videos of Yemen to help calm her down.Life is still
288、a struggle trying to balance bills,and Sana relies on her overdraft every month,but now has the skills to monitor it and is aware of when her Universal Credit payment has been received to put her account back in credit.Her newfound skills and confidence have also put Sana and her family in a better
289、position when dealing with the rising cost of living.She has signed up to various supermarket loyalty apps to ensure she is saving money on food where she can and shares the deals that she finds with friends and family on WhatsApp.She also now knows when she can afford something,and when she needs t
290、o put her card away.“I have gone from feeling anxious and totally relying on my children,to having the confidence myself to teach others and support my community.My motivation to keep improving my skills comes from seeing the impact this has on my children,our finances and our future and the potenti
291、al I have to help others”*getfamiliestalking.co.uk34uEssential Digital Skills35 UK Consumer Digital Index 2022The Essential Digital Skills framework was created in 2018 and has been measured by Lloyds Banking Group,on behalf of the Department for Education,since 2019.Following three years of the Ess
292、ential Digital Skills(EDS)benchmark being published,working with the Department for Education and 40 cross-sector partners,Lloyds Banking Group led a review of the EDS framework to ensure it remained fit for purpose for todays digital society.u36Essential Digital Skills UK Consumer Digital Index 202
293、2The Essential Digital Skills framework 2.0An additional task has been added to ensure an online safety element is incorporated within the most basic digital tasks.Anyone can now be measured for Work EDS(excluding retirees).To be counted as able to do a task,an individual may say they can complete a
294、 task at work,but might not necessarily need to put this into practice all the time.There are 26 Life tasks and 20 Work tasks,split across five skill areas:Communicating,Handling Information and Content,Transacting,Problem Solving and Being Safe and Legal Online.An individual needs to perform at lea
295、st one task within each of the five Life and Work skill areas,without assistance,to achieve Life or Work EDS.Following the last three years of measuring Essential Digital Skills(EDS),working with the Department for Education,Lloyds Banking Group led a review of the EDS framework to ensure it remaine
296、d fit for purpose for todays digital society.Lloyds Banking Group surveyed 40 cross-sector partners,collating thoughts across industry on how digital capability demands may have evolved since 2018(when the EDS framework was first created).As a result of this,the tasks,language,hierarchy and how EDS
297、for an individual is measured for different parts of the framework have all been simplified.As a result of the amendments,comparisons to 2019,2020 and 2021 data are not viable.Figure 31.The Essential Digital Skills frameworkFor more information on the methodology and sample sizes,referto pages 62-66
298、 in the appendix For the full list of tasks and skills,see pages 59-60Work EDSI can independently perform at least one task within each Work skill areaLife EDSI can independently perform at least one task within each Life skill areaThe Foundation LevelI can independently perform all eight tasks All
299、pre-requisites have been removed from the framework,meaning that someone can start their digital skills journey from any stage of the framework.It is still strongly recommended that the Foundation Level tasks are a key priority for anyone using the Internet.y0sey0seFor a full list of key terminology
300、,please see page 61 in the appendix u37Essential Digital Skills UK Consumer Digital Index 2022The Essential Digital Skills Framework FAQssssssssFollowing the recent changes to the framework,how does an individual achieve the different areas?How has Essential Digital Skills for Life changed?How has E
301、ssential Digital Skills for Work changed?Are the tasks the same across Essential Digital Skills for Life and Work?Why were pre-requisites removed from the EDS Framework?Are comparisons to previous years data possible?How has the Foundation Level changed?This year the pre-requisites have been removed
302、.Previously,an individual had to have the Foundation Level to be eligible for EDS for Life,and had to have Life EDS to be eligible for Work EDS.Now,someone can start their digital journey in any of the framework areas,and will be counted within the measure.The set of Life tasks have been changed.The
303、re are now 26 Life tasks across five skill areas,instead of 29 tasks.Other elements of achieving Life EDS remain the same(see page 60 for more information).An individual needs to perform at least one task within each of the five Life skill areas,without assistance,to achieve Life EDS.The set of Work
304、 tasks have been changed.There are now 20 Work tasks across five skill areas,instead of 17 tasks(see page 60 for more information).An individual needs to perform at least one task within each of the five Work skill areas,without assistance,to achieve Work EDS.Being in employment is no longer a requi
305、rement for Work EDS,as it was considered important to measure work skills for those who are out of work and potentially job seeking.Therefore,all participants who are not retired(known as the labour force sample)are eligible for Work EDS.Additionally,participants do not have to actively be doing a w
306、ork task at a place of employment to be counted as able to do the task.The nine Being Safe and Legal Online tasks are the same for both Life and Work EDS they represent core activities to keep someone safe whilst using the Internet in day-to-day life and the workplace.The rest of the tasks across th
307、e remaining four skill areas are unique to Life and Work EDS.No longer having pre-requisites can uncover a more holistic view of UK capability.The Foundation Level is still the most fundamental set of tasks in getting an individual set up for success online.However,it was recognised that an individu
308、als digital journey is not always linear,and their first point of entry may be through Life or Work,which was not previously captured.Direct comparisons to 2019,2020 or 2021 data cannot be made and are not featured in this report.However,annual readers can make anecdotal comparisons if they wish,not
309、ing the changes to the framework.All previous reports are still available on the Consumer Digital Index website*as well as the EDS data tables*.The Foundation tasks have been updated.There are now eight Foundation tasks,instead of seven.Other elements of achieving the Foundation Level remain the sam
310、e.All eight tasks must be completed without assistance,to achieve the Foundation Level.(see page 59 for more information).* u38The Foundation LevelEssential Digital Skills UK Consumer Digital Index 2022Figure 32.Proportion of adults aged 18+that can do the listed number of the Foundation Level tasks
311、,2022n=4,099No Foundation Level tasks(0 tasks)20%c.10.2m are unable to complete all eight Foundation Level tasks 4%c.2.4mPartial Foundation Level(1-7 tasks)15%c.7.8m80%The Foundation Level (8 tasks)c.42.7mWithout The Foundation Level (able to do 0-7 tasks)The Foundation Level consists of the most fu
312、ndamental tasks to set up an individual for success online.For 2022,an eighth task has been added to incorporate an important safety element,focusing on keeping device and account login information and passwords secure.A person must be able to complete all eight tasks independently,to achieve the Fo
313、undation Level.One-fifth of UK adults lack the digital basicsIn the UK today,c.10.2 million adults(20%)are without the Foundation Level and c.2.4 million(4%)are not able to do any of these core tasks.Considering last years EDS Benchmark evidenced 6%of the UK could do zero tasks,and there is now an a
314、dditional task,this shows positive signs for the most basic digital capability and indicates more of the population are now equipped to get online.Yet c.4.8 million are on the cuspWhen looking at the individual number of tasks,c.4.8 million(9%)people are on the cusp of achieving all eight tasks(can
315、do 6-7):7%can do 7 tasks,and 3%can do 6 tasks,see appendix 4A for more information.c.42.7 million(80%)people have the Foundation Levelc.10.2 million(20%)people do not have the Foundation Level c.2.4 million(4%)people cannot do any of the digital basics c.5.3 million(10%)lack both the Foundation Leve
316、l and EDS for Lifeu39Essential Digital Skills UK Consumer Digital Index 202293%(c.49.0m)(c.48.5m)(c.48.4m)(c.47.9m)(c.47.6m)(c.46.2m)(c.3.9m)(c.4.3m)(c.4.5m)(c.5.0m)(c.5.3m)(c.6.7m)92%92%91%90%87%7%8%8%9%10%13%KeyI cannot.I can.set up a connection to a Wi-Fi network on a device (e.g.when at home,wor
317、k,out in public or visiting family and friends).keep my login information and passwords for a device and any accounts secure(e.g.not shared with anyone or written down or left)(c.47.6m)(c.5.3m)90%10%.use the different settings on a device to make it easier to use (e.g.adjust font,volume settings,bri
318、ghtness of screen,voice).turn on a device and enter any account login information as required.open an Internet browser to find and use websites (e.g.Safari,Google Chrome,Mozilla Firefox,Microsoft Edge).update and change my password when prompted to do so.use the available controls on a device(e.g.mo
319、use,keyboard,touchscreen,trackpad.)Figure 33.Proportion of adults aged 18+who can/cannot do each of the eight Foundation Level tasks,2022 n=4,099(c.47.9m)(c.5.0m)90%10%.find and open different applications/programmes/platforms on a device(e.g.opening a web browser,messaging applications)Foundation L
320、evel task view Figure 33 shows the ability of UK adults to complete the most fundamental digital tasks.The most likely task a person can complete is using the available controls on their device(93%)versus the least likely,setting up a connection to a Wi-Fi network(87%).Considering the ongoing cost-o
321、f-living-crisis in 2022,free access to Wi-Fi will be crucial for some.There is an even greater importance to equip UK adults with the ability to connect to the Internet inside or outside of the home.Half(52%)of those who claim they are unable to afford to start using an Internet or mobile data plan
322、of their own do not have the Foundation Level(versus 20%UK average).One-in-ten adults are cyber-vulnerablec.5.3 million(10%)people are unable to complete the new task,keeping login information and passwords safe.With instances of online scams and fraud up by 14%compared to this time last year*,ensur
323、ing everyone can protect their information is more important than ever.*Citizens Advice,2022,citizensadvice.org.uk/about-us/about-us1/media/press-releases/over-40-million-targeted-by-scammers-as-the-cost-of-living-crisis-bites/Connecting to a Wi-Fi network continues to be a potential hurdle in conne
324、cting to the online worldu40Essential Digital Skills UK Consumer Digital Index 2022Figure 34.Proportion of adults aged 18+that have the Foundation Level,with or without an impairment,and impairment types,2022n=4,09977%Mental health68%Impairment (net)66%Learning or memoryn=4,09955%Sensory (vision or
325、hearing)60%Physical87%No impairment74%Has one impairment62%Has multiple impairmentsThose with an impairment are 2.5 times more likely to lack the Foundation LevelFigure 34 shows that having an impairment continues to have a bearing on someones ability to do the basic digital tasks.Amongst those with
326、 no impairment,just 13%lack the Foundation Level compared to 32%with an impairment.The type of impairment can also have a significant impact those with a sensory impairment compared to mental health,are much less likely to have the online fundamentals (55%versus 77%).Furthermore,having more than one
327、 impairment also compounds this as 62%of those with multiple impairments can do the digital basics,compared to 74%who have one impairment.For more Foundation Level demographic splits,see appendix 4Cu41Essential Digital Skills UK Consumer Digital Index 202255-64n=72465-74n=71875+n=37631%35-44n=55691%
328、76%18-24n=40594%70%25-34n=61892%45-54n=70289%75,000+n=25890%25,000-29,999n=29491%40,000-74,999n=55094%Up to 13,499n=51772%13,500-24,999n=57982%30,000-39,999n=37895%Figure 35.Proportion of adults aged 18+that have the Foundation Level(can do all eight tasks),split by age,2022 Figure 36.Proportion of
329、adults aged 18+that have the Foundation Level(can do all eight tasks),split by personal income,2022*ons.gov.uk/employmentandlabourmarket/peopleinwork/employmentandemployeetypes/bulletins/averageweeklyearningsingreatbritain/june2022#average-weekly-earnings-dataAge continues to be the largest correlat
330、ing factor of basic digital capability Figure 35 shows that basic digital capability is negatively correlated with age.There is a clear cluster of two groups the youngest age group is by far the most proficient in the digital basics,however the range in Foundation Level attainment between those aged
331、 18-24 and those aged 45-54 is minimal(five percentage points).Those aged 55-74 are in a second cluster,and are up to 24 percentage points behind the youngest age group.Less than one-third(31%)of those aged 75+have the Foundation Level and are the group requiring the most intervention.UK average sal
332、ary earners are most likely to have the Foundation Level Figure 36 shows an overall positive correlation with those earning more money and whether someone is equipped with the skills to access the Internet.Those earning 30,000-39,999 are the most likely to have the Foundation Level this bracket incl
333、udes the UK average full time salary earners(31,408*).People earning up to 13,499 are the only salary range below the UK average,and possibly represent some of the lower socioeconomic groups in society coupled with the lowest level of digital skills,they could be at a double disadvantage.Those aged 75+are three times less likely to have the most basic level of digital skills,than those aged 18-24u