Stop relying on AI chatbots for customer care, UK banks and energy firms told

by | Sep 25, 2026 | Technology

Stop relying on AI chatbots for customer care, UK banks and energy firms told

Citizens Advice, a frontline UK charity, has called on essential service providers including banks, energy companies, and telecommunications firms to reduce their dependence on AI-powered chatbots and ensure customers retain the ability to speak with human representatives. The organization released research indicating that chatbots frequently cause frustration and fail to resolve customer issues effectively.

According to the charity’s findings, chatbots often trap users in unproductive cycles where problems remain unsolved. Nearly half of chatbot users found them unhelpful, with some reporting the systems seemed designed to discourage persistence. The research also identified significant impacts on digitally excluded populations, affecting an estimated 14 million UK citizens who struggle with or lack adequate online access. The erosion of traditional communication channels—including phone, face-to-face, and paper-based support—has created disparities in service quality between digitally capable and digitally excluded customers.

The charity documented concrete examples of how digital-only systems create hardship. Submitting energy meter readings to correct billing errors takes under an hour through digital channels but can require up to six weeks through offline methods, exposing vulnerable people to further financial harm. Applications for social tariff broadband programs and homelessness prevention services that operate exclusively online have proven particularly problematic, with advisers reporting that digital barriers extend homelessness duration and increase debt accumulation.

Polling conducted in July found only 20% of UK adults prefer chatbots for communication, with phone calls, email, and instant messaging rated as superior alternatives. Among customers unable to reach human representatives, 49% reported stress or frustration, 27% felt powerless, 44% experienced resolution delays, and 14% abandoned resolution attempts entirely. Other digital barriers identified include multifactor authentication requirements and strict transaction time limits.

The UK government indicated it is investing £11.9m in digital inclusion initiatives, while a government spokesperson emphasized that businesses maintain legal obligations to provide accessible contact information. Approximately 1.7 million UK households lack laptop, tablet, or desktop computers.

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