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Consumer Harm Indicators surface behavioural patterns that may be associated with financial stress or affordability pressure. Rather than making determinations, the module highlights indicators that support further review and assessment.

These signals help teams identify where consumers may be experiencing detriment, using observed financial behaviour rather than assumptions or self-reported information.

How harm indicators are identified

Using verified open banking data, the engine analyses income, spending and cashflow behaviour over time.
Patterns such as declining buffers, sustained overspend, missed commitments or reduced income resilience are surfaced as indicators.

All indicators are evidence-led and contextual, supporting review without introducing judgement or legal interpretation.

Support fair and consistent assessment

Consumer Harm Indicators help teams apply consistent evidence standards across cases. They highlight potential pressure points while maintaining neutrality and objectivity throughout the claims process.

This ensures potential detriment is identified using the same behavioural lens in every case.

Why harm indicators matter

Signs of consumer harm are often subtle and emerge over time. Without structured indicators, these signals can be missed or identified too late.

Behavioural harm indicators help teams focus attention earlier, reduce manual effort and support fairer outcomes.

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Identify potential consumer harm with clarity.
Consumer Harm Indicators provide evidence-led signals to support fair, consistent claims review.

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