A broad and diverse range of participants were recruited to help reduce bias and research out risk. A ‘no edge cases’ approach has been taken; deeming certain groups and needs as not important is antithetical to the design of an inclusive Consumer Data Right (CDR). Instead of focusing on those who are already likely and able to adopt CDR, the research focuses on removing the barriers to CDR being inclusive and accessible, which will make CDR easier and simpler to access for everyone.

The recruitment process strives to reflect the demographic percentages outlined by the Australian Bureau of Statistics (ABS), and explicitly includes those who may be experiencing vulnerability or disadvantage.

We ask participants to indicate their age group.

Table 1 values are attributed to ABS Age Standard [2] and ABS Population estimates by age and sex [3].

We ask participants to indicate their state or territory, area and postcode.

Table 2 values are attributed to ABS State and territories population [4].

Table 3 values are attributed to ABS Greater Capital City Statistical Area [5].

We ask participants to indicate their gender identity, expression and experience as a man, woman or non-binary person.

The terms sex and gender are interrelated and often used interchangeably, however they are two distinct concepts. ABS population estimates by sex have used as a baseline for participant recruitment.

Table 4 values are attributed to ABS Standard for Sex, Gender, Variations of Sex Characteristics and Sexual Orientation Variables [6] and ABS Population estimates by age and sex [3].

We ask participants to indicate their cultural identity, accessibly needs and/or sexual orientation. We infer that these characteristics may impact a person's wellbeing and social experiences, access to employment, education and other services.

Table 5 values are attributed to multiple datasets; ABS Migration, Australia [8], ABS Estimates of Aboriginal and Torres Strait Islander Australians [9], ABS Disability, Ageing and Carers, Australia [10] and ABS General Social Survey: Summary Results, Australia [11].

We ask participants to indicate their household and family situation to infer factors that may influence financial decisions.

Table 6 values are attributed to ABS Family characteristics and transitions [12].

We ask participants to indicate their household's financial situation. Financial stress experienced by households is measured through a range of indicators including: the inability to raise $2,000 for something important, whether a household has experienced a cash flow problem in the last 12 months and whether a household took a dissaving action in the last 12 months. This follows methodology used in ABS General Social Survey [13].

Table 7 values are attributed to ABS General Social Survey: Summary Results, Australia [11] and ABS General Social Survey: Summary Results, Australia methodology [13].

We ask participants to indicate their employment type to infer factors that may influence financial decisions.

Table 8 values are for the population who were 15 years or over and attributed to ABS Potential workers [14].

We ask participants to indicate the types of accounts they hold as well as their relationship with other account holders. Experience with the financial sector is measured through a range of indicators including: bill comprehension, frequency of interactions, variety of interactions, and use of additional products or services. We infer that these factors may influence a person's comprehension of data language and likelihood to use the CDR.

We ask participants to indicate the types of accounts they hold as well as energy retailer. Experience with the energy sector is measured through a range of indicators including: bill comprehension, frequency of interactions, variety of interactions, and use of additional products or services. We infer that these indicators may influence a person's comprehension of data language and likelihood to use the CDR.

We ask participants to indicate their Digital Ability and importance of privacy when choosing a digital service. We infer that these factors may influence a person's propensity to share data and likelihood to use the CDR.

Digital ability is measured based on Attitudes, Basic Skills, and Activities. This follows methodology used in Australian Digital Inclusion Index (ADII) Single Source survey [15].

Concerns around privacy of information are even more prevalent in the digital space. Importance of privacy is based on a scale of "Not important" to "Extremely important". This follows methodology used in Office of the Australian Information Commissioner (OAIC) Australian Community Attitudes to Privacy Survey (ACAPS) [16].

Table 12 values are for the population who were 18 years or over and attributed to OAIC ACAPS [16].

User archetypes are useful tools to segment and succinctly describe the different drivers, behaviours and needs observed throughout research. CDR behavioural archetypes are representations of actions and general attitudes toward data sharing.

Participants were given questions to assess their attitude towards the CDR process and proposed use case.

Participants complete survey questions to self-assess their attitudes towards data sharing, privacy, general trust in Government and Industry, as well as digital adoption habits. Participant responses are used to assign them to one of the 4 CDR behavioural archetypes.

Further information about our approach, descriptions and design rationale can be found on