Make no mistake, the requirement to develop strategies which can recognise and appropriately service the needs of vulnerable customers is a big deal in financial services this year.

When I was in my early teens Friday night was movie night at home. My brother and I would head down to Blockbuster Video and pick up a film to watch on VHS, often recommended by the guy behind the counter.

After countless times saying to my friend, “You should worry less about what happens if you get hit by a bus and die, and more if you get hit by a bus and live, do you have Powers of Attorney?” I decided that young people should probably be a bit more clued up about personal finances matters so it’s now become a bit of a personal mission to do something.