Inclusive by Design

Toynbee Hall and FSB have contributed to this VocaLink report, which identifies a number of challenges for individuals on variable and multiple incomes and for small businesses. The VocaLink contribution then sets out how innovation in payments systems can potentially address these challenges. It is hoped that this paper will act as a catalyst for meaningful discussion on this issue amongst a broad set of stakeholders and, ultimately, progress in addressing these challenges.

Here the Financial Health Exchange’s Sian Williams discusses how “…The challenge now is not what tinkering we can do, but how can we design a system that reflects people’s current and future needs…” in an interview about the challenge of supporting those on an irregular income.