Why do we wait till people can’t cope before we start to use digital to help them create an I&E and present a picture of their financial status? It’s like waiting for it to rain before selling someone a coat. Digital apps can improve financial management and promote better understanding. The clever apps can encourage the right behaviours and point out the risky ones. What is your organisation doing to encourage consumers to use open banking and digital apps to manage their financial health and if you are doing something is your advice timely or just post-event? Help manage the debtdemic - help people to manage.