Millions are already in lockdown with consequential impact on income. What are you doing to help your customers cut their expenditure and better manage their finances? A little change can make a world of difference, but we all seem to wait till it’s too late or too stressful to deal with. There are apps already available that can identify the need to change, that can promote the way to change, that can lay out the road to achieving change, that can give direction where needed. Are you helping them make the change and why does it take a crisis to recognise the need? Help manage the debtdemic - help people to manage.