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 understandingThe FCA's growing focus on "foreseeable harm" from platform features, not just price, and what that means for trading appsMissing exit costs and a genuinely hard-to-find "get your money out" journeyEligibility criteria buried deep in the sign-up flow, wasting users' timeVulnerability support (or the lack of it) for first-time investorsWhy 53% of all issues found were accessibility problems; including one firm whose entire brand colour fails contrast checksChapters00:00 Introduction to the episode and main themes01:11 Findings from digital journeys of banking products11:09 Accessibility issues and common themes15:22 Key findings on accessibility and design flaws20:01 Risk warnings and consumer understanding26:23 Cost transparency (joining vs leaving)31:07 Eligibility and vulnerability support41:13 One firm drops an accessibility clanger