Motion 97
Financial Services Supporting the E-Disadvantaged
“That this Congress notes in the last 10 years thousands of big name banks and building societies have disappeared from our high streets. As this trend continues, millions of vulnerable customers are left with little or no access to their cash.
“Despite the drive to digital, not everyone has access to online banking and the loss of face-to-face services throughout Scotland adversely impacts the e-disadvantaged. Congress recognises that the decline in the Post Office network means that access to in-person banking services and cash has been limited further.
“As financial providers continue to prioritise profit over customers’ needs, it is now almost impossible to operate financial affairs without technology and those with no or limited access to it are in an increasingly vulnerable position.
“These e-disadvantaged people are more likely to become victims of financial crime due to their inexperience in modern technology.
“If they have outdated software or hardware due to lack of ability, funds, or access to sufficient services, they are not protected by the industry or the Government, who have systematically shifted the responsibility for security to the user, without ensuring that industry advances have been inclusive and considered.
“Therefore, Congress resolves to campaign for a level of secure service for the e-disadvantaged, that gibes protections that place the onus of access and security on service providers and Government, not consumers.
“This includes the STUC working with affiliate unions to campaign against the decline of the banks, building societies, and Post Office network and to campaign for:
- A legal right to pay for goods and services in person using cash;
- A statutory obligation on banks and ATM outlets to provide an appropriate network of free-to-use cash deposit and withdrawal services for public access across Scotland; and
- An expansion in accessible banking services available through the Post Office.”
Mover: Aegis the Union
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