Join this session to discuss key themes in a private forum with 6-10 peers from across the credit industry.

Financial vulnerability often appears suddenly in customer records but develops gradually in real life. By harnessing predictive analytics and alternative data sources, financial institutions can identify early warning signs before traditional indicators become apparent.

However, for customers approaching financial difficulty – who may show subtle changes in spending patterns, account management, or engagement behaviours – providing timely intervention is particularly complex. Financial service providers must balance proactive support with privacy considerations, using data responsibly to prevent rather than merely respond to hardship.

In this session, we will explore:

• What practical steps can firms take to identify customers approaching financial vulnerability before hardship occurs?
• How have rising living costs and financial pressures changed the indicators of potential vulnerability?
• What data points can firms use to measure early warning signals while respecting customer dignity?
• How can the industry collaborate with data analytics firms, consumer advocates, and regulators to strengthen early intervention capabilities?

Join this session to discuss the key themes below in a private forum with 6-10 peers from across the credit industry:

• How do you measure the output of a diverse workforce
• How do you get the best out of a diverse workforce
• Building a business culture which allows for diverse thinking
• Getting the recruitment right