AI-generated Public Services

Debate between Lord Holmes of Richmond and Baroness Neville-Rolfe

Thursday 14th December 2023 Lords Chamber

[Baroness Neville-Rolfe (Con)]

This of course is why the Government are committed to ensuring that everyone has affordable access to public services, whether online or offline. Departments are required, by the service standard, to provide support via alternative channels for all their online services to all users, including the disabled. That can be by phone, through face-to-face meetings, by letter or via web chat, which is important for the unsighted. The system of assessments is co-ordinated by the CDDO in the Cabinet Office, and these requirements cannot go on to GOV.UK without assurance secured.

[Lord Holmes of Richmond (Con)]

My Lords, I declare my technology interests, as set out in the register. Does my noble friend agree that, wherever AI is used in public services, it should be labelled as such, so that everybody is aware of that fact? Similarly, wherever public citizen data is used, we should decide whether that is through opt-in or opt-out means. Further, public trust is essential to all deployments of new technology, including AI. Does my noble friend agree that one of the best ways to deliver public trust is to ensure that services are accessible and inclusive by design?

[Baroness Neville-Rolfe (Con)]

I very much agree that, to ensure public trust, you want services that are accessible by design. Coming from the retail sector, I have a slightly less rosy view of labelling. Like earlier data changes, AI is part of a continuum of technological change. The key thing is to have proper arrangements, such as, for example, the AI Safety Institute, which we have now set up following the Prime Minister’s AI Safety Summit at Bletchley Park with international partners. This is to make sure that we are aware of what is happening, because there are opportunities as well as risks to AI. I have a whole list of opportunities, which we can go through, but I would like to hear some more questions.

Financial Services Bill

Debate between Lord Holmes of Richmond and Baroness Neville-Rolfe

3rd reading & Report stage
Monday 19th April 2021 Lords Chamber

[Baroness Neville-Rolfe (Con)]

My Lords, I shall speak to Amendments 28 and 29 in my name on digital identification, and I thank my noble friends Lady Mcintosh of Pickering and Lord Holmes of Richmond for their support. I take a substantial interest in facilitating the provision of digital ID and have done so for several years. It is the sort of thing where the UK, with its early adoption of digital and skills in matters of security, should be ahead of the curve. Perfectly good systems exist in a number of areas and have been rolled out in other European countries and Asia but, unfortunately, not here.

I tabled amendments in the same sense during the passage of Covid legislation last year. I did not press the matter because I was promised progress and I had good meetings with my noble friend Lady Williams and with the Digital Minister, Matt Warman MP, who published proposals for the UK digital identity and attributes trust framework on 11 February. Last week, my noble friend Lord Holmes and I had another constructive meeting, this time with my noble friend Lady Penn—currently on the Front Bench—and civil servants in DCMS and the Treasury.

I am perhaps a little too impatient for the Civil Service or, indeed, for the Front Bench, which is no doubt why I am better suited to these Benches, but I warn noble Lords that I will continue to press this matter until we introduce a reliable system of online ID—not a consultation and not a plan, but a government-approved system. But I am very reasonable, so let us start in financial services—the subject of today’s Bill. So much progress has been made already that it ought to be possible to capture this in regulation now. As we discussed in Committee, this could be helpful in reducing fraud, which has mushroomed in financial services.

Likewise, we should be able to introduce digital ID for sales of alcohol; the supermarkets already use such methods for preventing the sale of knives to those aged under 18. We should also allow a trial in a pub chain or two, and we could use digital ID in the property sector, where the ID checks for domestic house sales are needlessly bureaucratic and repetitive. We do not need to get into the question of domestic vaccine passports, of which I strongly disapprove, or of ID cards, but evolutionary progress on digital ID—starting in financial services and honed to appropriate use—is overdue.

I have tabled two alternative amendments. Amendment 28 is an enabling power allowing the Treasury to press ahead, subject to a parliamentary debate, as soon as it has sorted out a system of digital ID—whether on a trial basis or when it has a definitive solution for the sector, which should be soon. We do not want to wait for the online harms Bill or another legislative vehicle. Amendment 29 provides for a review by 1 September this year. My own experience as a Minister and a civil servant is that such reviews and a clear date can be effective where there is a political will to get something done, as I believe there is here. I beg to move.

[Lord Holmes of Richmond (Con)]

My Lords, it is a pleasure to follow my noble friend Lady Neville-Rolfe; in doing so, I declare my financial services interests as set out in the register.

My noble friend and I came into the House in the same autumn and, since 2013, we have both talked very much about distributed digital ID. It was pressing in 2013, so it certainly is in 2021. I will speak to all the amendments in this group briefly. I had pleasure in adding my name to my noble friend Lady Neville-Rolfe’s amendments; they are clear, succinct, short and to the point, and do the job. Does my noble friend the Minister agree?

My Amendment 30 merely seeks to flesh out some of the elements which must be considered if we are to have a successful distributed digital ID—the issues around scalability, flexibility and, crucially, inclusion. Does my noble friend the Minister agree that not only are these three issues vital to any distributed digital ID but that any ID should be predicated on the 12 principles set out in self-sovereign identity? Does she also agree that, because of the nature of this issue—as my noble friend Lady Neville-Rolfe pointed out—including issues around ID cards and Covid passports, there is a pressing need not only to move forward with this work but to have a public engagement to enable people to understand the issues and really get to grips with a system that can work for all?

My Amendment 31 seeks only to push the opportunity for the UK around open finance. We have seen the advantages open banking has brought; does my noble friend the Minister agree that open finance could be a boon for the UK, and could she set out the Government’s plans to enable this? I brought Amendment 32 forward in Committee so I will not dwell on it, except to seek a specific answer on subsection (2)(a) of the proposed new clause. Does my noble friend the Minister agree that we need to seriously consider the dematerialisation of UK securities at least at the same speed as that proposed in the EU? This is a competitive market; it is a race.

Finally, my Amendment 37E was brought forward simply to push the need for a review of access to digital payments. Digital payments are the future, accelerated by Covid, but, crucially, huge swathes of the population rightly rely—and must be allowed to rely—on cash. Does my noble friend agree that we urgently need a review of access to digital payments?

Financial Services Bill

Debate between Lord Holmes of Richmond and Baroness Neville-Rolfe

Committee stage & Committee: 1st sitting (Hansard) & Committee: 1st sitting (Hansard): House of Lords
Monday 22nd February 2021 Grand Committee

[Lord Holmes of Richmond (Con) [V]]

My Lords, it is a pleasure to speak on this group of amendments. I congratulate the noble Lord, Lord Stevenson of Balmacara, on the excellent way in which he introduced the group. The concept of financial well-being is a growing area and there is a lot for us all to reflect on. I thank him for all that he has done in this whole area of financial well-being, not least during his excellent time at the helm of StepChange.

We should thank all the organisations involved in financial inclusion, not least Macmillan Cancer Support and the Money Advice Trust. They go to people who are at the sharpest end of financial exclusion, and their commitment and the briefings that they provide to parliamentarians are a credit to everybody involved in that space.

I turn to my Amendment 9 in this group, which would place a duty on the Financial Conduct Authority to work toward the objective of financial inclusion. In doing this, I seek to raise the whole level of financial inclusion across our regulators. The context has moved on significantly during the Covid crisis. People who, fortunately, have never had to think about financial inclusion or have never been at a loss as to where the next bill payment will come from find themselves very much at the sharp end of financial difficulty. Fortunately, in many of those instances, the Government have stepped in through the furlough scheme and the self-employed and business loan schemes.

The reality is that, in a broad sense, these are enablers of continued financial inclusion. I would argue that, in this new world, it is difficult to consider the concept of financial stability while we still have such issues around financial inclusion. Financial exclusion has dogged our society for decades. It ruins lives, paralyses potential and corrodes communities. This amendment would give the FCA the objective of considering the barriers, blockers and bias that continue to mean that people are shamefully excluded from mainstream financial products.

Similarly, in the second point in my amendment, I want to place a requirement on organisations

“to report on their use of financial technology to increase financial inclusion.”

Not for one minute do I believe that fintech is the silver bullet—I am well aware of the issues around financial and digital exclusion—but fintech must be part of the solution and must be turbocharged at all levels of financial services. It must be understood much better by HMT, as well as the role it can play in varying degrees across financial services. This was proven at the beginning of the Covid crisis when, in a matter of hours, various fintechs came up with innovative solutions to address some of the issues that then rolled out as the crisis developed.

Having a financially inclusive nation makes sense. Having a financial inclusion objective within the scope of the FCA makes complete sense. I hope that this amendment will add to all the extraordinarily good work that everybody involved in financial inclusion is currently undertaking.

[Baroness Neville-Rolfe (Con)]

My Lords, I thank the noble Lord, Lord Stevenson, and my noble friend Lord Holmes of Richmond for tabling these amendments and for the important debate that they have initiated this evening. Both have considerable expertise in the field; I am only sorry that we are not all here together physically and able to debate the issues in our Pugin corridors.

I accept that financial inclusion is important, given the difficulties that a failure to understand finances can cause anyone, and indeed everyone. However, to my mind, this ought not to be a matter for the FCA, which should focus its efforts on providing a good, strong, unbureaucratic regulatory regime that allows those providing financial services to flourish and serves consumers well. Rather, a basic understanding of financial matters should, in my view, be inculcated first in school. We all need to understand the basics of loans, interest, probability and risk, how to manage budgets and pay our bills, the risk of fraud, what to watch out for, the value of a pension and many other things.

Corporate Insolvency and Governance Bill

Debate between Lord Holmes of Richmond and Baroness Neville-Rolfe

Report stage & Report stage (Hansard) & Report stage (Hansard): House of Lords
Tuesday 23rd June 2020 Lords Chamber

[Lord Holmes of Richmond [V]]

I am pleased to speak in support of Amendment 48 from my noble friend Lady Fookes. As ever, she makes a point that is pertinent and clear, and that is absolutely required at this stage. In doing so, I also congratulate my noble friend Lord Blencathra and the members of the Delegated Powers Committee on all their work in this area. As other noble Lords have said, the Government are in listening mode on this. That can be only a good thing, and it is largely down to the persuasive power of my noble friend.

[Baroness Neville-Rolfe (Con) [V]]

My Lords, I thank my noble friend the Deputy Leader for his many amendments, designed to moderate the overuse of delegated powers in this important legislation. The legislation is vital to easing the burden of events on businesses, especially smaller or less well-capitalised businesses, of which sadly there are more every day.

I was particularly concerned about the lack of an end date for the use of the emergency powers, but government Amendment 49 appears to meet my concern. I also thank my noble friend Lady Fookes, the noble Baroness, Lady Taylor, and others for their effective scrutiny.

Sharing Economy

Debate between Lord Holmes of Richmond and Baroness Neville-Rolfe

Monday 17th October 2016 Lords Chamber

[Lord Holmes of Richmond]

To ask Her Majesty’s Government what action they are taking to ensure that the United Kingdom becomes a global centre for innovation and growth in the sharing economy.

[The Minister of State, Department for Business, Energy and Industrial Strategy (Baroness Neville-Rolfe) (Con)]

The Government commissioned an independent review on how to unblock the value of the sharing economy. Debbie Wosskow reported in 2014 and we have implemented many of her recommendations. The Government will consider whether further steps can be taken to support innovation in this area in their industrial strategy.

[Lord Holmes of Richmond (Con)]

My Lords, growth in key areas of the sharing economy, not least transport and housing, is to rise from 5% in 2014 to over 50% in 2025. Could my noble friend write to all relevant departments to ask what plans they have to make sure that we capture all the benefits of the sharing economy? In addition, how are things going with the two proposed hubs in this area which were announced in the 2015 Budget?

[Baroness Neville-Rolfe]

Part of the process of developing the industrial strategy is of course to bring in information from other departments on how major changes in the economy are affecting them. One of the things that we ensure when consulting business is that we always include the sharing economy element in those discussions. I will write to my noble friend about the hubs.

Channel 4

Debate between Lord Holmes of Richmond and Baroness Neville-Rolfe

Thursday 10th December 2015 Lords Chamber

[Baroness Neville-Rolfe]

My Lords, we are still at a fairly early stage of the process on Channel 4. The issue of whether legislation would be required for any change that we decide to make will certainly be one of the considerations.

[Lord Holmes of Richmond (Con)]

My Lords, does my noble friend agree that Channel 4’s coverage of the 2012 Paralympic Games clearly demonstrated the benefit of its public service remit and non-profit ownership model and the old adage,

“if it ain’t broke, don’t fix it”?

Superfast Broadband

Debate between Lord Holmes of Richmond and Baroness Neville-Rolfe

Thursday 26th November 2015 Lords Chamber

[Lord Holmes of Richmond]

To ask Her Majesty’s Government what assessment they have made of when 100% of the United Kingdom population will be able to enjoy the benefits of reliable superfast broadband.

[The Parliamentary Under-Secretary of State, Department for Business, Innovation and Skills and Department for Culture, Media and Sport (Baroness Neville-Rolfe)]

My Lords, delivering superfast broadband to 100% of UK premises is challenging, as experience with our delivery programme has shown. In the final 5% of the UK, these challenges increase because of higher investment costs and lack of existing infrastructure, so it is good news that the Prime Minister has announced that, by 2020, a designated provider or providers will be obliged to connect people, no matter where they live, at minimum speed up to a reasonable cost threshold.

[Lord Holmes of Richmond (Con)]

My Lords, does the Minister agree that if we are to rebalance the UK economy and push productivity, superfast broadband will be a vital part of that plan? Will it be a key element in the digital transformation plan which will be published early next year?

Football: Disabled Spectators

Debate between Lord Holmes of Richmond and Baroness Neville-Rolfe

Tuesday 15th September 2015 Lords Chamber

[Lord Holmes of Richmond (Con)]

My Lords, I beg leave to ask the Question standing in my name on the Order Paper. In doing so, I declare my interests as set out in the register.

[The Parliamentary Under-Secretary of State, Department for Business, Innovation and Skills and Department for Culture, Media and Sport (Baroness Neville-Rolfe) (Con)]

My Lords, the result of the Government’s inclusive and accessible stadia survey, published yesterday, showed that despite examples of good practice, progress at some Premier League clubs towards meeting their existing legal duties under the Equality Act 2010 has been slow. Therefore I hope the whole House will welcome the statement by the Premier League yesterday that commits all Premiership clubs to achieve compliance with the accessible stadia guide by August 2017.

[Lord Holmes of Richmond]

My Lords, I am sure all noble Lords welcome yesterday’s statement from the Premier League. In light of that statement, will my noble friend commit her department to monitoring closely the Premier League to ensure that, be they old grounds or new grounds, come 2017 all grounds will meet minimum access requirements so that more people from more backgrounds can enjoy Premier League football?

[Baroness Neville-Rolfe]

My Lords, the progress of this initiative is incredibly important, and indeed the Minister for Disabled People, Justin Tomlinson, will be seeing the Premier League early in November, which will be a good opportunity to start that process.

Digital Technology: UK Labour Market

Debate between Lord Holmes of Richmond and Baroness Neville-Rolfe

Tuesday 9th December 2014 Lords Chamber

[Lord Holmes of Richmond (Con)]

My Lords, I beg leave to ask the Question in my name on the Order Paper. In doing so, I declare my interests as set out in the register.

[The Parliamentary Under-Secretary of State, Department for Business, Innovation and Skills (Baroness Neville-Rolfe) (Con)]

My Lords, digital is a major contributor to the economy. Since 2008, output for the sector has grown more than three times as fast as the overall economy. Growth is expected to continue, with a predicted 1 million new digital jobs to be created in the next decade. The Government are committed to ensuring a strong, digitally skilled workforce to meet the challenges of our digital age.

[Lord Holmes of Richmond]

My Lords, the digital revolution is well under way, with the potential to make the agricultural revolution and the Industrial Revolution seem somewhat small beer. Does my noble friend agree that, across the whole of Whitehall and across the whole of local authorities, we need a relentless focus on digital if we are to realise every opportunity and every job for the UK labour market?

[Baroness Neville-Rolfe]

My Lords, I entirely agree with my noble friend. We have made a good start with a ministerial digital task force, which shows the Government’s relentless drive. Activity under way includes even top-level support: yesterday, the Prime Minister launched the National College for Digital Skills, which will start in London next year and spread to centres right across the country. That is in addition to all that we are doing in schools, training and higher education.