Banking closures may put vulnerable more at risk...

Some adults with learning disabilities could be raising their risk of financial harm due to struggles to access banking services, a report has warned.

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Informal workarounds are being used to help some people with a learning disability to get by financially, including handing over Pins to others and allowing family members to impersonate them on the phone.

The research was published by Project Nemo-a not-for-profit campaign for disability inclusion in banking and financial technology - and sponsored by Nationwide Building Society.

Around a third (32%) of adults with a learning disability who took part in the research did not have their own bank account.

Some of those who took part in the research said they struggle with passwords or logins, or find it difficult to talk to bank staff, or find security checks hard to complete.

The report also argued that the general shift away from payments made using coins and banknotes may have left vulnerable people behind.

The report recommended that financial technology developers and financial services providers should include clear and simple language in banking features, with visual explanations where possible.