Ask a 22-year-old and a 70-year-old in the UK today whether they use digital tools to manage their money, and the answer is increasingly the same: yes. Ask them whether they feel confident doing so, and you get two very different answers. Financial empowerment is the term we use to refer to the knowledge, skills, tools and opportunities that allow an individual to take control of their financial life and improve their financial wellbeing over time. Britain increasingly banks, budgets and borrows online — a shift made possible at scale by advances in digital technology and the data and analytics behind it.
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