Exploring the Impact of the Cashless Economy on the Lives of Homeless People in the UK

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Harnessing the potential of the cashless economy for the benefit of the homeless people will require innovative solutions, both digital and service-based. But to be truly impactful, these solutions need to be built around the needs and experiences of the homeless people - and with their direct involvement. Otherwise, they risk being misaligned with the needs of their users and even pose safeguarding risks when designed without the appropriate consideration for the lived experiences of the people they seek to help.

Cashless economy is here and it’s growing, quicker than many of us can adjust to it. Along with exciting opportunities for innovation, this rapid growth carries real risks of exclusion and marginalisation. These risks are particularly serious for vulnerable people who rely on cash in their day-to-day lives or who may not have the right level of digital skills to keep up with the roll-out of digital financial services. Homeless people, many of whom may use cash donations from individuals to pay for daily necessities, are among the most affected.

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Who we are

Eclipse Experience is a research and design company based in London. We help organisations generate positive long-term change through impactful human-centred insights. We work across the areas of money, health and community.

What we bring

We specialise in working with vulnerable populations (e.g., displaced children in humanitarian emergency settings, clinical trials participants, and financially vulnerable adults) and adhere to strict safeguarding procedures. 

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This research will also help us to:

  • Demonstrate how homeless people can be meaningfully engaged in the design of alternatives to direct cash donations. 

  • Specify design considerations for developing innovative approaches, products and services to support homeless people in the context of an expanding cashless economy.

  • Contribute to the public discussion on the issues of cashless economy and homelessness, and raise awareness of exclusion risks and innovation opportunities.


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How you can benefit:

  • Inform the design of the human-centred research methodology developed by Eclipse Experience exclusively for this project.

  • Gain a deeper understanding of the needs and experiences of your beneficiaries in the context of the growing cashless economy.

  • Build capacity of your staff and volunteers in human-centred research and design.

How you can help:

  • Help identify and contact prospective research participants.

  • Provide a space for the Eclipse team to conduct in-person interviews.

  • Support the dissemination of research results by sharing them with participants, other organisations and agencies working with the homeless, and the broader public.


To learn more, email and, or fill out the form below and we’ll get in touch for a chat!

Find out more about the Cashless/Homeless project

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