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Authors
Phillpotts, Alec
Owen, Anne
Norman, Jonathan
Trendl, Anna
Gathergood, John
Jobst, Norbert
Leake, David
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Article History
Received: 2 April 2025
Accepted: 5 January 2026
First Online: 20 March 2026
Declarations
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: The authors declare no conflict of interest. The views and opinions expressed are those of the authors and do not necessarily reflect the views of Lloyds Banking Group (LBG) plc, its affiliates, or employees.
: The LBG Privacy Risk and Impact Assessment process recognises the ethical basis for this study on aggregated, anonymous data as part of a strategy to help customers’ transition to a more sustainable future. Upon opening an account, LBG customers consent to their data being used for research: .
