Transient vulnerability is a temporary or short-term period of vulnerability for a customer, such as someone going through a divorce or the loss of a loved one. The impact of COVID-19 saw a huge increase in the number of consumers experiencing transient vulnerability through poor physical health, redundancy, or a decline in mental health.

This is a difficult area to identify as the drivers can also introduce permanent vulnerabilities to some and the transient nature makes it particularly difficult to understand which customers are vulnerable.

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