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Lydia Howland – Client Lead, IDEO

Lydia Howland – Client Lead, IDEO. Online 'deals' are often structured in such a way that lower income families struggle to access them  Example: booking a holiday with EasyJet vs. a package holiday company

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Lydia Howland – Client Lead, IDEO

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  1. Lydia Howland – Client Lead, IDEO • Online 'deals' are often structured in such a way that lower income families struggle to access them Example: booking a holiday with EasyJet vs. a package holiday company • Most savings products are designed for customers who care about interest rates and access/notice periods but many lower income families are more concerned with locking away liquidity first and foremostExample: Christmas clubs and the TV rental story • Credit is often a more acute need for lower income families but very few credit products are predictable, manageable, repeatable and finite, which is why 'transparency' is currently trumping economic rationalityExample:  The Littlewoods Catalogue vs. Wonga.com

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