Consumer Investing: Consumer Duty Teardown #2

Week three of Consumer Duty anniversary month, and we're going up a level; from everyday bank switching to investing. We ran three anonymised robo-advisors (a big player, a mid-tier firm, and a fintech challenger) through Indulge's in-house teardown tool, UX Duty, and turned up 150 findings across the three. **In this episode we get into...** - Why risk warnings keep losing out to bold "grow your money" headlines, and what that means for consumer understanding - The FCA's growing focus on "foreseeable harm" from platform features, not just price, and what that means for trading apps - Missing exit costs and a genuinely hard-to-find "get your money out" journey - Eligibility criteria buried deep in the sign-up flow, wasting users' time - Vulnerability support (or the lack of it) for first-time investors - Why 53% of all issues found were accessibility problems; including one firm whose entire brand colour fails contrast checks **Chapters** 00:00 Introduction to the episode and main themes 01:11 Findings from digital journeys of banking products 11:09 Accessibility issues and common themes 15:22 Key findings on accessibility and design flaws 20:01 Risk warnings and consumer understanding 26:23 Cost transparency (joining vs leaving) 31:07 Eligibility and vulnerability support 41:13 One firm drops an accessibility clanger