A new report from the think-tank Demos explores the potential of prepaid cards as a possible method of delivering Universal Credit payments to the unbanked but, as author Claudia Wood explains, it isn't without controversy. Housing benefit is a divisive issue at the moment. Alongside headline grabbing cuts, the Government is piloting the paying of housing benefit direct to claimants rather than landlords. This prepares the ground for Universal Credit, where housing benefit will be rolled into a lar...