Unbanked and digitally excluded – Rail passenger research

17 September 2025

Following on from our previous “cash on the railway” work, today Transport Focus published a new piece of work commissioned by the Fares, Ticketing and Retail Programme (FTR).
The FTR programme are a group of organisations who are tasked by government to deliver fares, ticketing and retail reform for the future railway, and they were keen to find out more about digital exclusion and some of the drivers behind it, so that they can better understand how this group of people might need to be supported as they plan their rail journeys in the future.
The work digs into how digital exclusion can impact transport users on the railway, and identifies some of the different themes which mean that certain people can tend to rely on cash over digital.
Unbanked and digitally excluded - Rail passenger research - September 25
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