Contents

The report examines firms’ AI inclusion readiness, the gap between confidence and reported practice, the experiences of customers with characteristics of vulnerability, and the regulatory and operational priorities that follow.

Executive summary

The report’s key findings on AI inclusion readiness, reported practice and the experiences of vulnerable customers.

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The state of AI inclusion readiness

An assessment of firms’ AI inclusion readiness across current practice, inclusive design and future readiness.

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Supporting different forms of vulnerability

How firms monitor outcomes, design for inclusion and provide support across different forms of vulnerability.

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Customer outcomes in AI-enabled payments

What consumer research reveals about the experiences and outcomes of vulnerable customers using banking and payment services.

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Regulation, digital identity, and readiness

The barriers firms face in adopting AI inclusively, alongside their readiness for digital identity and verification.

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Policy: From readiness to responsibility

The practical steps firms, the payments industry and regulators can take to support more inclusive AI over the next 24 months.

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The Inclusion Working Group

How The Payments Association’s Inclusion Working Group brings the industry together to improve access, inclusion and outcomes across payments.

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Foreword

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Executive summary

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