Project Nemo, a not-for-profit initiative, has released a report revealing the financial exclusion of adults with a learning disability. The report, ‘Safe Spending for Adults with a Learning Disability: A Call to Action for Financial Services’, highlights the challenges faced by these individuals in managing their finances. The study found that 87% of adults with a learning disability and their supporters resort to informal workarounds, often without disclosed statutory authority. The report also revealed that 32% of people with a learning disability don’t have a bank account in their own name and 61% say banks don’t always meet their needs. The report highlights the difficulty of making, receiving, and managing payments for the 1.5 million people in the UK living with a learning disability. The research explored a range of potential money management features to aid safer spending for adults with a learning disability, and identified that: To aid independent user understanding, any features should use clear and simple language, supported by visual explanations where possible; The ability to customise to suit individual needs is critical to success of any products built for this community; Notifications or settings that give supporters oversight of spending and the opportunity to intercept risky purchases provide reassurance for both supporters and users and have potential to enable greater independence.; Accessible and specialist customer support must be available to boost confidence and support longer term independence goals; Priority features for products built for this community include saving pots, the option to turn on a Calm Mode that reduces overwhelm, and wearable alternatives to payment cards.