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FCA review on customer journeys highlights Consumer Duty risks

Close-up of a person's hand holding a smartphone and using the Opus 4 model within the Claude app from AI company Anthropic, Lafayette, California, May 22, 2025.
Photo: Smith Collection/Gado/Getty Images

Report signals how firms need to ensure their journeys balance efficiency with delivering good outcomes under the Consumer Duty.

The regulator’s report, Digital design in customers’ online journeys, highlighted that while digital platforms can enhance clarity, accessibility, and support, they also risk nudging customers into poor decisions when badly designed.

The review also signposts how the FCA will use assessments of firms’ digital experiences to check whether they