Inclusive Credit Systems: What Opportunities Lie in Designing for Neurodivergence?

The UK faces significant levels of financial exclusion, with millions unable to access essential financial services, including personal credit. Among those disproportionately affected are neurodivergent individuals, whose unique cognitive and behavioural traits often clash with the rigid structures of credit decisioning and the design and customer journey of personal credit products.This working paper explores the intersection of neurodivergence and financial exclusion, examining the systemic barriers faced by individuals with conditions such as ADHD, autism, and dyslexia.

It argues for the urgent need to redesign credit decisioning frameworks, credit products and customer journeys to accommodate diverse financial behaviours, presenting inclusive credit frameworks as both a moral imperative and a strategic opportunity. By leveraging behavioural economics, adaptive technologies, and collaborative policymaking, inclusive credit models can empower neurodivergent individuals to achieve financial independence and foster long-term financial resilience. This paper also highlights the potential benefits for businesses, organisations, and social enterprises, including market growth, innovation, and stronger community engagement. Finally, it identifies three key areas for future research: redefining creditworthiness metrics, developing neurodivergent-friendly products and customer journeys, and fostering policy and industry collaboration. Together, these steps can transform financial accessibility, creating a more equitable and inclusive economic system that benefits individuals and society alike.