Table 5.

Factors informing segmentation model development

Situation or context factors	Attitudinal factors	Barriers
Money Age Social connections Housing type and tenure Health	Making ends meet Thrift Competing priorities Pride Struggling I can manage Thrift Hardiness Stoicism It's my business Mistrust Pride Privacy I'm frightened Privacy Personal safety/vulnerability I'll stay as I am Struggle with change Like routine Fear Trust	Awareness Knowledge Information Experience Technology Heating Information Banking Disjointed systems Fragmentation or services Local differences Lack of referral systems Visibility Fuel Money Information Older people