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With 12 million online banking active users and over 7 million mobile users across our brands at Lloyds Banking Group, the uptake of digital services is something we are seeing more and more of.

The Halifax Insurance Digital Home Report is an annual barometer of the nation’s digital habits and attitudes towards their digital devices. The report is based on research of 2,280 British adults aged 16 and over. Now in its fourth edition, the research found that almost half of UK adults have turned to digital technology to develop new skills at home, with the uptake driven by a desire for privacy and flexibility in learning. A range of skills traditionally passed down between generations such as cooking and DIY are now learned online or through apps, as well as those which would previously have involved face-to-face instruction, such as vocational and educational qualifications.

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The research suggests that a potential skills gap is being addressed by the increased availability of online learning. Almost half of those who enjoyed learning online said they wouldn’t have had the opportunity to develop their skills without access to digital platforms.

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Dr Kairen Cullen, educational psychologist said: “The advent of new technology has brought with it many ways to accommodate different learning styles and offers individuals the flexibility and choice to learn at their own pace in settings that fit easily into personal situations. One drawback with this type of learning, rather than more traditional teacher-led classroom settings, is that opportunities for social interaction may be reduced. However, social media and ever-evolving online teaching methods offset this to some degree, as does the fact that people now have access to a huge array of resources that can help expand their knowledge, thinking and practical skills”.

Despite this reliance on technology to access essential online tools, the research shows digital devices are still left unprotected, with a quarter of people unaware as to whether or not they are insured – and one in five who say their devices and gadgets are not covered at all.

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Martyn Foulds, senior claims manager at Halifax Insurance, said: “It’s clear that digital devices are becoming increasingly valuable, not only in monetary terms, but in helping people develop personal skills that were previously inaccessible. Rather than taking the availability of these resources for granted, it is imperative that people recognise the opportunities at their fingertips through their digital investments, and make sure that their devices are properly insured both inside the home and while on the go.”

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You can find out more about the work we are doing to benchmark digital skills in the UK through the annual Lloyds Bank Consumer Digital Index or understand how people are using digital services in the Halifax Digital Dashboard released quarterly.

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