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Authors
Duxbury, Darren https://orcid.org/0000-0002-7285-8474
Verousis, Thanos https://orcid.org/0000-0002-7812-1908
Marsh, David
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Funding
Funding for this research was provided by:
National Westminster Bank Plc
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Article History
Received: 17 October 2024
Accepted: 15 February 2026
First Online: 18 March 2026
Declarations
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: Following Newcastle University’s ethical approval procedure this project was deemed “low risk” and hence ethical approval granted without further review by Research Ethics Committee. Informed consent was obtained from all participants, and participation was voluntary. No personally identifying information was collected.
: This study involved the use of anonymized data. Informed consent was obtained for data to be used for the purposes of academic and commercial research.
: DD reports financial support provided by National Westminster Bank Plc. TV reports financial support under sub-contract to Newcastle University. DM reports a relationship with National Westminster Bank Plc that includes employment.
