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Financial difficulty intelligence

that transforms outcomes

A global insights platform supporting better engagement, stronger governance, and more consistent outcomes across hardship and vulnerability support.

Financial difficulty intelligence
that transforms outcomes

A global insights platform supporting better engagement, stronger governance, and more consistent outcomes across hardship and vulnerability support.

Because financial difficulty reveals

more than vulnerability, it tests the

care, dignity, and humanity our

systems are designed to uphold.

Because financial

difficulty reveals more

than vulnerability,

it tests the care

dignity, and humanity

our systems are

designed to uphold.

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Humbli is proud to work with leading financial institutions across a range of customer care themes

Our clients include:

Explore our work

We work with institutions, regulators, and governments worldwide to transform how financial difficulty is understood, managed, and supported across its full spectrum.

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Insights and
Intelligence

Creating the world’s first system-wide view of financial difficulty through data and benchmarking.

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Financial Difficulty
Reviews

Helping organisations identify risk, improve outcomes at scale, and reduce operational burden.

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Customer Engagement
and Support

Combining nano learning, behavioural science and interactive media to transform customer behaviour.

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Employee
Development

Helping teams deliver market-leading customer care across financial difficulty and vulnerability.

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Community
of Practice

Sharing global best-practice in customer care and institutional response to financial difficulty.

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Beyond Financial
Difficulty

Using evidence-informed approaches to strengthen customer outcomes in other high-stakes situations.

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Why this matters now

Most systems respond once difficulty becomes visible. By then, opportunities to support customers may have already passed.

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The challenge is not intent. It is design.

Organisations care deeply about supporting customers, but operating models were not designed for how financial difficulty actually develops.

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Regulation is reinforcing this shift.

Expectations across jurisdictions are moving toward earlier identification, clearer communication, and evidence of customer understanding and outcomes.

What our clients say

“Supporting customers through financial difficulty is a top priority for NAB, and Humbli’s unique expertise in customer learning and engagement has been invaluable. Their creativity and know-how are helping us deliver clarity and confidence when it matters most.”

Lauren Solomon

Senior Analyst, Financial Support Transformation, NAB

What our clients say

“Working with Humbli has been a genuinely collaborative and rewarding experience, helping us present complex information in a way that was clear, accessible, and genuinely useful for the community. As a result, we were able to manage a significant increase in digital engagement without placing additional pressure on our contact channels.”

Andrew Mellor

Manager Flood Awareness Communications, Melbourne Water

What our clients say

“We've had almost 20 years of working with third parties trying to get across what we do and why, and I've lost count of how many just don't get what we’re about. It’s been very refreshing for us to finally have a third party understand what we are all about and what we are trying to achieve.”

Adrian Fisher

Head of Distribution and Product, RedZed (at the time)

What our clients say

"Working with the Humbli team has been a genuinely rewarding experience. Their depth of insight across the financial industry, customer empowerment, and behaviour change aligns closely with the clarity and ambition behind our goals."

Nicole Lovesy

Specialist, Customer Experience, IAG

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News
International

Enough is enough: Aussie start-up launches customer-first product disclosure platform.

Read the article
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Early Engagement in Hardship: Lifting Capability Across the Sector

Read the article
Research
Whitepaper

News

Humbli News and Research

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Research
Whitepaper

Customer Empowerment: Self-efficacy and the power of “the Moment”

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Mindful Friction: Building Trust Through the Disclosure Process

Read the article
Research
Whitepaper

News

Humbli News and Research

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