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1、2023 Consumer Digital IndexThe UKs largest study of digital and financial lives2Contents UK Consumer Digital Index 2023The 2023 UK Consumer Digital Index is the eighth in its series.The study uses the behavioural and transactional data of one million consumers to build a view of digital and financia

2、l capability across the UK.Join the conversation:#ConsumerDigitalIndex#EssentialDigitalSkillsEmail us:DigitalSkillsIaHeadlines from the report:8Ge96%of the UK are onlineSee page 10Over half of the UK say theInternet has helped them to save money See page 1514.1 million(27%)nowhave the highest digita

3、l capabilitySee page 1154%of the UK labour force is not meeting itsfull potentialSee page 58Over half the population(29.2 million)have lower financial capability See page 2139 Chapter Four Essential Digital Skills 41 The Foundation Level 45 Spotlight:those with an impairment 46 Essential Digital Ski

4、lls for Life 51 Maryanns story 54 Spotlight:Later life 56 Essential Digital Skills for Work 58 Debras story 65 Spotlight:Future Digital Workskills 68 Thank you to our partners 70 Appendix21 Chapter Two UK Financial Lives 22 Georges story 28 Spotlight:Fraud and scams 28 Dorothys story 30 Spotlight on

5、 Universal Credit 31 Cost of living and digital poverty33 Chapter Three Confidence and capability building 34 Building digital capability 35 Connecting with Confidence 36 Building the UKs financial wellbeing03 About us04 Executive summary06 Calls to action07 Foreword08 Hear from our partners 09 Inde

6、x segmentation10 Chapter One UK Digital Lives 12 Dereks story 16 Louises story 17 The offline 20 Nicoles storyuContents UK Consumer Digital Index 20233At Lloyds Bank,we believe that both financial and digital capability are enablers to everyday life,including peoples ability to manage their money,fi