Locked Out by Design: Financial Systems and the People They Were Never Built For
As the UK continues to move towards a more digital and cashless society, it is vital that financial systems work for everyone. Yet many disabled people continue to face barriers when accessing and using financial services, from digital platforms and identity verification processes to customer support and everyday banking.
At RIX, we believe that people with lived experience should be at the heart of designing the services, technologies, and policies that affect their lives. Inclusive innovation happens when diverse voices are listened to, valued, and meaningfully involved in shaping solutions.
We are delighted that members of the RIX team will be contributing to this important discussion:
Paul Watts, Reader and Associate Professor at the University of East London, whose work focuses on inclusive research, participation, and social justice
Ros Weinberg, who will bring the invaluable perspective of lived experience, helping to highlight the real-world impact that inaccessible systems can have on people’s everyday lives
Paul Watts and Ros Weinberg will be representing RIX on the online panel
Together with experts from technology, policy, research, and disability communities, the event will explore:
How financial systems can unintentionally exclude disabled people
Why lived experience is essential to designing accessible services
What more inclusive financial systems could look like
How technology, policy, and co-production can help drive meaningful change
This year we celebrated Global Accessibility Awareness Day (GAAD) on 21 May, an important international event that encourages people to think, talk, and learn about digital accessibility and inclusion.
Celebrated annually on the third Thursday in May, GAAD brings together organisations, educators, researchers, technology developers, and communities to raise awareness about the barriers disabled people can face when using digital technologies and online spaces.
At Rix Inclusive Research, accessibility is central to everything we do. We believe that digital technologies should empower people, strengthen communication, support participation, and create opportunities rather than barriers. Global Accessibility Awareness Day gives us an opportunity to reflect on the progress that has been made, while also recognising how much more still needs to be done to ensure everyone can fully participate in digital life.
Today, technology shapes almost every aspect of our lives. We use digital systems to learn, work, communicate, access healthcare, shop, travel, and connect with others. However, many websites, apps, online forms, videos, and digital services are still not designed inclusively. For many disabled people, this can create frustration, exclusion, and inequality.
Array of apps on digital devices
Accessibility means designing technology, environments, and information so that people with different needs, preferences, and ways of communicating can use them effectively. This includes people with physical disabilities, sensory impairments, learning disabilities, neurodivergence, mental health needs, and people with profound and multiple learning disabilities. Accessibility is not only about compliance or technical standards; it is about dignity, participation, independence, and human rights.
Importantly, accessible design benefits everyone. Features such as captions on videos, clear navigation, plain language, readable fonts, voice control, keyboard navigation, and alternative text for images make digital content easier for many people to use. Accessibility supports people using mobile devices, older adults, people with temporary injuries, individuals with low digital confidence, and those using technology in challenging environments. Inclusive design improves experiences for all users.
As part of the University of East London, RIX works closely with colleagues across the university to promote inclusive and accessible approaches to teaching, learning, communication, and digital practice. UEL has developed a Digital Accessibility Toolkit that provides practical guidance and resources to help staff and students create more accessible digital content and learning environments. Initiatives such as these reflect a shared commitment to embedding accessibility into everyday practice across education and research.
Everyone at RIX is committed to digital inclusion
RIX has also been proud to contribute to wider national and international accessibility initiatives through collaborative partnerships. One example is the Accessible Academy project, led by Nottingham Trent University, which focuses on improving equity, accessibility, and inclusion in education through practical resources, training, and toolkits for educators and organisations. The platform provides guidance on inclusive teaching, accessibility, and the use of technologies, including generative AI, to reduce barriers in learning environments. Projects such as Accessible Academy demonstrate the importance of universities working together to share knowledge, develop inclusive practices, and create sustainable approaches that support diverse learners across educational settings.
At RIX, our work has long focused on creating inclusive and accessible approaches that support people with disabilities to communicate, participate, and have their voices heard. Through projects involving multimedia advocacy, inclusive research, digital storytelling, co-production, and person-centred technologies, we work directly alongside people with lived experience to develop meaningful and accessible solutions.
One of the key principles of our work is that accessibility cannot be designed for people without involving them. People with lived experience must be included as co-creators, co-researchers, designers, and decision-makers. Too often, systems and technologies are created without meaningful consultation, resulting in barriers that could have been avoided. Co-production and inclusive practice are therefore essential to creating truly accessible futures.
RIX co-researchers Baljit, Ros and Kiran at UEL’s Docklands campus
We have seen how technology can support self-advocacy, improve communication, strengthen confidence, and create opportunities for participation in education, employment, research, and community life.
At the same time, we recognise that digital exclusion remains a significant issue. Many disabled people still face barriers related to:
affordability
digital skills
inaccessible systems
lack of support
or assumptions made about their abilities
Addressing digital exclusion requires more than simply providing devices. It requires ongoing support, accessible design, inclusive training, and a commitment to listening to people’s experiences.
Screenshots of the RixWiki app on iPhone
Global Accessibility Awareness Day is also a reminder that accessibility is everyone’s responsibility. Small changes can make a significant difference. Writing in plain English, captioning videos, checking colour contrast, creating screen-reader-friendly documents, providing image descriptions, and ensuring websites are easy to navigate are all practical steps that help make digital spaces more inclusive.
For organisations, accessibility should not be viewed as a one-off task or checklist. It should be part of organisational culture, values, and everyday practice. Inclusive communication and accessible design need to be embedded across teaching, research, services, and technology development.
At Rix Inclusive Research, we remain committed to promoting accessibility, inclusion, and participation in all aspects of our work. We will continue working alongside people with disabilities, families, communities, and organisations to challenge barriers and develop creative, person centred, and inclusive approaches that value everyone’s voice.
Global Accessibility Awareness Day reminds us that accessibility is not simply about technology — it is about people, equality, and creating a world where everyone can participate fully and meaningfully.
Gosia Kwiatkowska, RIX Director
The Newham Citizen Science Fair (NCSF) 2026 was a busy, friendly and dynamic community event where people of all ages and abilities came together to learn, explore new ideas and participate in hands-on activities.
Now in its third year, this was the first time the NCSF was hosted at the Royal Docks Centre for Sustainability (RDCS), adding an exciting new dimension to the fair.
Members of purpleSTARS, RIX co-researchers and social work students hosted an exhibit inviting visitors to share their lived experiences by contributing to a multi-sensory collage map of Newham. Through creative sensory artworks and personal reflections, the exhibit brought together diverse perspectives and highlighted the real-life challenges, strengths and stories of Newham’s communities.
Ajay at the event and checking out PhotoSYNTH with Zen
Lots to see and do
There were many different stalls and activities. People explored new technology, science projects and fun hands-on demonstrations. Ajay said:
I enjoyed the Newham Citizen Science Fair. It was very exciting. I saw different sections like Smile Powered Music with the PhotoSYNTH, the Newham Community Research Network and the UCL Citizen Science Academy. I also liked the Newham mind-mapping—it reminded me of growing up in old school, secondary school and sixth form. It was a very busy day and a lot of fun!
A fun and inclusive community event
Visitors said the event felt welcoming for everyone. Mary-Ann said:
It was a lovely, fun and engaging community event with lots to do for different ages and abilities. It was thought-provoking and there was lots to learn in a fun and interactive way.
Samantha and Renee-Deborah with visitors and tactile sound ‘Be Kind’ card created by visitor to the fair
Inspiring technology for accessibility
Many people were impressed by how technology is being designed to support people with learning and physical disabilities. Tofunmi said:
The fair was eye-opening and inspiring. I saw amazing projects showing how technology can be customised for people with disabilities. It reminded me how important it is to make new technology accessible for everyone. I loved seeing researchers, developers and community members working together. It deepened my understanding of what accessible technology can do, and why inclusive voices matter.
Gavin Sealy highlighted the need for us to approach Artificial Intelligence, AI, as a conversational tool that will strengthen our ability to think clearly as individuals and to think well together as communities. He argued AI is not about replacing people with machines but about highlighting the value of people in the age of the machine.
Gavin Sealy’s presentation
Working together and sharing ideas
The fair created opportunities for collaboration, conversation and co-production. Nic said:
It was a positive experience participating in the Newham Citizen Science Fair. I met a wide range of people and explored many different projects. The event felt open and collaborative, with informal conversations and hands-on activities helping people learn together. I especially enjoyed projects like the LEGO Mindstorms (which I spent ages playing with!) and the musical instruments created by Zen. These showed the creativity and technical skill in the community and highlighted how citizen-led innovation can bring people together.
Building skills and confidence
The fair was also a great place for students and young people to practise communication skills. Ifeoma said:
The fair was informative and insightful. I got to put my signing skills into practice while talking with others. It helped build my confidence in communication. It was a positive opportunity to participate and contribute. I enjoyed seeing local residents sharing high-quality research that supports our borough. I used my Makaton skills when talking with children who are D/Deaf or hard of hearing. It was a rewarding day that showed the power of inclusive community research.
Ifeoma with purpleSTARS member Jas
A successful day for Newham
The Newham Citizen Science Fair 2026 showed how powerful community-led research can be.
People shared ideas, learned from each other and explored new ways to make Newham a fairer and more inclusive place.
Inclusive creative sensory mind map of Newham co-created by visitors to the Newham Citizen Science Fair – now on display in the RIX office
Rix Inclusive Research at UEL is proud to support events like this, where everyone’s voice matters and everyone can take part.
RIX Hackathon26 | Friday 19 June | 10am – 5pm
We’re excited to share this Save the date with you, with details of our third annual inclusive hackathon.
Our theme for this year will be Artificial Intelligence and accessibility.
Date
Friday 19 June 2026
Time
10am – 5pm
Venue
Royal Docks Centre for Sustainability (RDCS)
University of East London, Docklands Campus
4-6 University Way, London, E16 2RD
We use cookies to help us understand how people use this site and to provide a better user experience. The cookies do not store any sensitive information and are never shared with third parties. Manage cookiesAccept cookies
Privacy & Cookies Policy
Privacy Overview
This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.