Rethinking Vulnerability
Few themes generated more discussion throughout the Summit than the changing definition of vulnerability. Historically, organisations have associated vulnerable customers with obvious life events or financial hardship. The reality is considerably more nuanced.
James Hewitson, Managing Director: Head of Customer Support at HSBC, discussed how vulnerability increasingly encompasses digital confidence, accessibility, and neurodiversity – areas that often remain invisible within traditional customer journeys. Nearly one million HSBC customers have "zero digital footprint", he explained, highlighting that many people continue to struggle with digital-first experiences despite organisations accelerating in their direction. The challenge, therefore, lies in devising services that are accessible by default, accommodating the full spectrum of customer needs and enabling customers to engage in ways that work for them.
Several conversations echoed this broad perspective. Rather than expecting customers to identify themselves as vulnerable, organisations are beginning to redesign journeys that inherently anticipate a wider range of needs. Progressive personalisation is becoming less about tailoring marketing touchpoints and more about adapting experiences around different cognitive preferences, communication styles, and levels of digital confidence.
In short, inclusivity must be a principle etched into every interaction.