One of the two quantitative Consumer Duty outcomes. FairLedger's Price & Value Engine produces it from your data, with the methodology audit trail intact.
Under the Consumer Duty, firms must be able to demonstrate that the price a retail customer pays for a product is reasonable relative to the benefit the customer receives. The requirement is quantitative — not a narrative assertion, but a defensible calculation.
The regulator's supervisory work has made clear that firms are expected to identify segments where value is poor and act. That expectation applies to payment institutions and e-money firms as it does to every in-scope sector.
The engine ingests pricing, cost and transaction data. It runs three defensible calculation approaches — margin-based, benchmark-based, and outcome-based — and produces per-product, per-customer-segment evidence.
Every calculation carries its methodology audit trail: the inputs used, the assumptions applied, the version of the methodology at the time of calculation. The trail is what allows a board or an FCA supervisor to reproduce the answer.
FX margins across corridors and customer segments. Fee load — including subscription, transaction and ancillary fees — normalised for benefit received. Penalty-charge incidence and concentration, with outlier detection at the customer and segment level. Cost-to-benefit signals that surface where price is high relative to the value the customer is realising.
Each signal is decomposed to the transactions that generated it, so a challenge from the board or an FCA supervisor lands on the underlying records within a click.
Per-product fair-value analysis, per-customer-segment analysis, methodology documentation and a board-pack-ready summary. All version-controlled. All exportable to the annual Consumer Duty board pack.
FairLedger ingests via API or secure file exchange, on the cadence your data operations already support. Production data is UK-resident. Minimum-necessary data is ingested at every stage.
A discovery call runs 30 minutes and covers your Consumer Duty evidencing approach, the FairLedger fit and the design partner terms.
