Our purpose is Helping Britain Prosper.
We have an important role to play in creating a more sustainable and inclusive future.
Lloyds Banking Group incorporates many household names.
As with all necessary struggles it’s often the actions of brilliant and tenacious individuals that create lasting change.
This report provides an update on our progress towards the Group's sustainability ambitions.
We put you first, so you can put our customers first.
Our charitable Foundations are celebrating 40 years of tackling social disadvantage and Helping Britain Prosper.
Disclosures relating to our strategic, financial, operational, environmental and social performance.
See all the key dates in the financial year.
Higher, more sustainable returns as we continue to Help Britain Prosper.
How Lloyds Banking Group is delivering against its strategy and achieving growth.
Build something that changes everything. Join us as we explore new ideas and technologies to reshape the world of finance.
Xinyi is pioneering AI and advanced analytics at the Group alongside her part-time role as a concert pianist.
Lloyds Banking Group is best known for its portfolio of financial services brands.
Our purpose is Helping Britain Prosper.
We have an important role to play in creating a more sustainable and inclusive future.
Lloyds Banking Group incorporates many household names.
As with all necessary struggles it’s often the actions of brilliant and tenacious individuals that create lasting change.
This report provides an update on our progress towards the Group's sustainability ambitions.
We put you first, so you can put our customers first.
Our charitable Foundations are celebrating 40 years of tackling social disadvantage and Helping Britain Prosper.
Disclosures relating to our strategic, financial, operational, environmental and social performance.
See all the key dates in the financial year.
Higher, more sustainable returns as we continue to Help Britain Prosper.
How Lloyds Banking Group is delivering against its strategy and achieving growth.
Build something that changes everything. Join us as we explore new ideas and technologies to reshape the world of finance.
Xinyi is pioneering AI and advanced analytics at the Group alongside her part-time role as a concert pianist.
Lloyds Banking Group is best known for its portfolio of financial services brands.
We've transformed our app with new services and experiences built entirely around a desire to solve our customers’ problems, financially empowering our 20 million users and putting more money into their pockets as a result.
At Lloyds Banking Group, we’re doing more than ever to empower our customers to make the most of their money, strengthen their financial resilience and put more money back into their pockets – all through the power of our mobile banking app.
With 22 million digital users, and over 20 million active mobile users, we continue to see more and more of our customers choosing digital and mobile banking as the main way to manage their money – and, increasingly, for their more complex financial needs too. So, when it came to developing new propositions which would make a real difference to our customers’ lives, it became clear that we needed to harness the power and reach of our app.
First, we set about identifying the challenges our customers face, and the financial jobs that they need our help with. We then set out to design new, experience-led products and services that would solve these problems, like finding missed benefits or requesting money owed from family and friends.
Our customers also told us they wanted a clear view of all their finances in one place, as well as the right tools and insights to manage their money effectively and help make it go further. Working across the Group, we took licence to be bold and break down silos, focusing firmly on what more our app could do to make us a truly trusted partner for our 20 million users.
As a result, we’ve updated our Lloyds app with a range of enhanced features, to help our customers increasingly manage all of their unique financial needs whenever they want, right from the phone in their hand. This is about empowering our customers through rich, experience-led propositions to achieve their dreams – whether that’s moving to a new home, or getting away on holiday.
While we've always provided an array of features through our app to help customers stay on top of their money, the sheer breadth of Lloyds Banking Group enables us to do more than many other financial institutions to support customers in making their finances go further.
Other new features focus on putting more money back into our customers’ pockets.
Eight million households across the UK are missing out on an estimated £23bn worth of benefits each year, such as Child Benefit, Universal Credit and Pension Credit. Many don’t know how to navigate the system or how to make a claim.
To financially empower our customers, we’ve launched Benefit Calculator, a new tool giving customers a simple way to identify the benefits they may be eligible for and find out how to make a claim. The calculator is already helping a wide range of people to access support, such as young professionals who may be missing out on Council Tax discounts, homeowners who could claim for help with home improvements and sustainability initiatives, and many others.
Eight million households across the UK are missing out on an estimated
£23 billion
worth of benefits each year.
Benefit Calculator asks customers six short initial questions about themselves, including household income, number of children and their living situation. Based on the responses, the tool provides an initial estimate of the amount of benefits the customer may be eligible for.
Customers will then be able to use an in-depth calculator, which takes around five minutes to complete. A final summary is provided, listing the different benefits and the estimated amount of financial support the customer could potentially receive, while providing clear links for making a claim.
As well as new features, we’ve also introduced six new spaces (Summary, Everyday, Save & Invest, Borrow, Homes, Insure) as part of a full refresh of our app, to create a full financial ecosystem for customers to manage their money across all the products they might need to support their lifestyle.
We’re starting the app refresh roll out with Lloyds, and our other brands will follow. The refresh will include new features, new spaces and a fresh new look in our new Lloyds visual identity.
Benefit calculator is one of a number of financial tools we’re introducing over the coming months, all available through our app, to help do something fantastic – to put more money back into our customers’ pockets.
We’re excited about helping our customers get hold of money they are eligible for, to make sure that no one misses out.
Tamara van den Ban is a global leader who has held a uniquely diverse set of roles across marketing, capital and risk management, digital and mobile, product, process, customer journeys and customer propositions.
Tamara has an MSc in Business Administration from the Rotterdam School of Management, where she majored in Strategic Marketing. She’s since been located in numerous financial hubs across Europe and Asia with major organisations including ING, TMB, HSBC and Standard Charter.
As the Customer Propositions Director within Lloyds Banking Group’s Consumer Relationships Division, her unequivocal focus is fixing, improving and creation solutions for customers highest priority jobs. Tamara leads a team of customer obsessed colleagues whose ambition is creating brilliant customer experiences and quality customer outcomes.
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