The 2021 UK Consumer Digital Index is the sixth in the series. It uses the behavioural and transactional data of one million consumers to build a view of digital engagement in Britain.

Lloyds Bank use a unique dataset, analytical and research capability to create the UK Consumer Digital Index, to understand how digital the UK really is. Its the UK’s largest study of digital and financial lives. Sharing that knowledge has led to a collaborative approach, working with industry partners, think tanks and Government. That insight has shaped a number of policy outcomes, community interventions and broader awareness of the impact that digital confidence and capability can have on people’s lives, work, community and business in the UK.

In previous editions of the Consumer Digital Index, it has been well evidenced that the people using digital tools and services have a real advantage. They are more likely to build their saving reserves, find new ways to save money and can more easily find and access new information, plus manage their wellbeing, keeping connected to loved ones. 

In terms of digital engagement, the UK has made five years’ worth of progress in just one year, as digital access moved from an advantage to a necessity. Shielding in our homes, without the lifeline of the Internet, 5% of the population remain digitally excluded; locked out during lockdown. For some, fears of the unknown or the threat of Internet scammers prevail, but for others a lack of interest is a key barrier.

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