welfare app

January 2012

Background reading

Except from http://en.wikipedia.org/wiki/Financial_exclusion

Financial exclusion is the unavailability of banking services to people living in poverty. It is believed to be one factor preventing poor people from exiting poverty, by forcing them to manage their finances on a cash-only basis and restricting their access to equitable sources of credit.

Except from http://en.wikipedia.org/wiki/Financial_inclusion

Financial inclusion (or inclusive financing) is the delivery of financial services, at affordable costs, to sections of disadvantaged and low income segments of society.

Except from http://www.guardian.co.uk/society/2011/oct/19/welfare-reform-government-hopes-app

An online "app" to help 8m households apply for the new universal credit, integrating tax credits and out-of-work benefits, is being developed as part of one of the most hazardous and ambitious IT programmes ever undertaken by government.

My take on it

Financial inclusion should be available to everyone. Income should flow in and bills paid out. Advice should be available at every stage.

What prevents this? Complexity, poor communication and lack of understanding.

Can technology help? Lets find out.

At UK Gov Camp 2012 I sat in a room with the following people: -

    • Ben Proctor, Consultant, Likeaword

    • Brett Husbands, Chief Executive Officer, Firmstep

    • Carrie Bishop, Director, FutureGov

    • Jayne Hilditch, Corporate Services Director, Thames Valley Housing

    • Mark Tyson, Group Manager - Health Governance & Partnerships, London Borough of Barking & Dagenham

    • Shirley Ayres, Public & third Sector Digital Strategy & Communications, Focused on Learning

    • Stefan Czerniawski, Acting Director for Service Design in Universal Credit, Department for Work and Pensions

By the end of the session I had drawn this: -

The benefits entitlement app

Click on it for full size

At Benefits Camp we output this: -

Morning session

Afternoon session