The Problem
The cost of getting it wrong
Traditional compliance tools miss emotional distress. Sentiment analysis flags "negative" words but misses anxiety, confusion and vulnerability — the signals that precede regulatory action.
Emotions are invisible
Keyword sentiment misses the nuance of human anxiety and vulnerability. It reads the words. It cannot read the person.
Front-line gaps
Staff lack real-time risk data. Decisions rely on intuition rather than evidence — creating regulatory exposure when challenged.
Review is too late
By the time compliance reviews a case, the harm has already occurred. Complaint remediation typically costs hundreds of pounds per case.
Massive error cost
Complaint remediation costs hundreds per case. FCA fines: millions. The cost of not detecting vulnerability exceeds the cost of detection.
EchoDepth Platform
Predict escalation risk before decisions are final.
Multimodal emotional AI across voice, video, image and text interactions. EchoDepth gives compliance teams structured evidence that emotional risk was assessed — creating audit trails for FCA Consumer Duty review.
Analyses text, voice, image and video — adapting to the interaction format. Voice-first for phone-based vulnerability detection where most collections and complaint calls happen.
Flags vulnerability and distress before a loan is declined, an account closed, or a debt recovery action initiated.
Creates timestamped evidence of vulnerability assessment and fair treatment — directly supporting FCA Consumer Duty.
EchoDepth provides the documented evidence that vulnerability was identified and emotional risk was considered — the precise audit trail the FCA requires under Consumer Duty.
ROI snapshot · 50k vulnerable cases/year
Fintech Use Cases
Designed for where the risk is highest.
Four high-impact applications across FCA-regulated financial services.
Complaint Escalation
Predict which complaints will escalate to the FCA before they leave your system — and take documented action to prevent harm.
Loan Decisions
Flag emotional distress in declined loan communications before the decision is issued — protecting vulnerable customers from harm.
Debt Collections
Identify vulnerability signals in debt recovery interactions instantly — triggering appropriate treatment before harm occurs.
Fraud Investigations
Detect genuine distress versus inconsistent stress patterns in dispute and claims cases — adding physiological evidence to investigation.
Annual impact · UK bank · 50k vulnerable cases
ROI Analysis
The ROI case. The maths is straightforward.
Reducing escalations by 25% saves nearly half a million pounds annually — before accounting for reduced FCA scrutiny, avoided fines and reputational protection.
- 3.1× ROI in year one
- Reduced FCA scrutiny and enforcement risk
- Proactive reputational protection
- Documented Consumer Duty compliance
- FCA fine avoidance — £176M issued in 2024
Important framing
"EchoDepth does not detect lies. It measures the involuntary physiological markers that accompany stress, cognitive load and emotional state change. What organisations do with those signals is a matter of process, policy and human judgement."
This distinction is non-negotiable in every EchoDepth deployment. Read our ethics approach →
Get Started
Ready to measure what matters?
Book a 30-minute discovery call and see a live demo with your own data.