Branch² Intelligence

Why getting product design right really matters to consumers

UK · 2026-07-10

Key takeaway

FCA Consumer Duty review finds firms improving product governance but inconsistencies remain.

Step 1FCA Consumer Duty review highlights inconsistent product governance across financial services firms.
Step 2Firms accelerate compliance programs, increasing operational costs and regulatory risk for non-compliant products.
Step 3Higher compliance costs are partially passed to SME customers through higher fees or reduced product availability.
Step 4SMEs face increased cost of financial services and must reassess provider value.

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