# EchoDepth for Financial Services > Emotional AI for FCA-regulated firms. Real-time vulnerability detection, compliance audit trails, escalation prediction. Camera-based, no wearables. 3.1× ROI. ## Navigation - [Homepage](https://echodepthfintec.com/) - [How It Works](https://echodepthfintec.com/product) - [Use Cases](https://echodepthfintec.com/use-cases) - [Pricing](https://echodepthfintec.com/pricing) - [Methodology](https://echodepthfintec.com/methodology) - [About](https://echodepthfintec.com/about) - [Contact](https://echodepthfintec.com/contact) - [Developers](https://echodepthfintec.com/developers) ## Pages ### [Homepage](https://echodepthfintec.com/) EchoDepth detects emotional risk and vulnerability in real time — before FCA fines or customer harm. Camera-based, no wearables. 3.1× ROI. ### [How It Works](https://echodepthfintec.com/product) EchoDepth analyses text, image, voice and video in real time. 44 FACS Action Units, VAD scoring. Trained across 6 countries and 14 cultures. ### [Use Cases](https://echodepthfintec.com/use-cases) Predict FCA complaint escalation, detect loan decision distress, flag collections vulnerability. EchoDepth for financial services. ### [Pricing](https://echodepthfintec.com/pricing) EchoDepth pricing ladder: six-week diagnostic GBP 25k-40k, Index subscription GBP 60k-120k a year, Enterprise Index from GBP 250k a year. API access from GBP 999 a month. Proofs of concept from GBP 50k. No free tier. ### [Methodology](https://echodepthfintec.com/methodology) How EchoDepth works: 44 FACS Action Units, VAD scoring, 6-country 14-culture training dataset, bias reduction methodology, and ROI model assumptions. ### [Communication Risk Index](https://echodepthfintec.com/communication-risk-index) The Communication Risk Index (CRI) is a 0-100 measure of conduct risk inside customer conversations, built from congruence — the gap between what a customer says and what face, voice and language indicate they mean. Reported per interaction, per function, and as one board-level figure. ### [Facial Coding and Vulnerability](https://echodepthfintec.com/facial-coding-vulnerability-detection) Facial expression analysis cannot detect vulnerability on its own. What FACS Action Units measure, why single-channel reading produces false positives, and what changes when face, voice and text are fused. ### [Voice vs Multimodal Vulnerability Detection](https://echodepthfintec.com/voice-vs-multimodal-vulnerability-detection) How UK lenders identify vulnerable customers during phone calls: what speech analytics catches on every call, where voice-only detection stops (undisclosed vulnerability, reassuring answers), and what scoring words, voice and face together adds. ### [EchoDepth Alternatives](https://echodepthfintec.com/alternatives) Aveni, NICE, Verint, CallMiner, Uniphore, Medallia, Smart Eye, Affectiva and Hume AI compared for UK financial services — which channels each scores, and when to choose them over EchoDepth. ### [Compare vs Manual QA](https://echodepthfintec.com/compare-manual-qa) Manual QA covers 2–3% of interactions. EchoDepth covers 100%. Compare the two approaches for FCA Consumer Duty vulnerable customer identification. ### [Case Study](https://echodepthfintec.com/case-study) How a mid-tier UK lender used EchoDepth to detect vulnerability during affordability interviews, reducing FCA complaint escalations. ### [Developers](https://echodepthfintec.com/developers) EchoDepth API docs: REST endpoints, WebSocket stream, JS and Python SDKs, webhooks. From £999/month + VAT. ### [About](https://echodepthfintec.com/about) Cavefish — Cardiff, Wales. EchoDepth emotional AI platform. 13 awards, FCA Regulatory Sandbox, ISO 9001 infrastructure. ### [Contact](https://echodepthfintec.com/contact) Book a 30-minute EchoDepth discovery call. FCA compliance, vulnerability detection, fraud investigation. Cavefish, Cardiff. ### [Glossary](https://echodepthfintec.com/glossary) Definitions of key terms used in emotional AI and FCA compliance: FACS, Action Units, VAD scoring, Consumer Duty, vulnerability detection, cognitive load. ### [Insights Hub](https://echodepthfintec.com/insights) Analysis, methodology and perspective on emotional AI in UK financial services. FCA Consumer Duty, vulnerability detection, ROI. ### [Privacy Policy](https://echodepthfintec.com/privacy) Privacy policy for EchoDepth Fintec. How we collect, use, and protect your personal data in accordance with UK GDPR. ### [Security & Compliance](https://echodepthfintec.com/security) EchoDepth security posture for regulated buyers: no biometric data stored, ISO 9001 infrastructure, Cyber Essentials, UK GDPR compliance, FCA Regulatory Sandbox participant. Includes the compliance matrix and documentation available to prospective clients. ### [Terms of Service](https://echodepthfintec.com/terms) Terms of service for the EchoDepth platform: services description, limitations of use, data protection and intellectual property for FCA-regulated deployment. ## Insights Articles - [How to Identify Vulnerable Customers Proactively](https://echodepthfintec.com/insights/how-to-identify-vulnerable-customers-proactively) — FCA Consumer Duty requires proactive vulnerable customer identification — not self-declaration. - [Consumer Duty Board Report: A Four-Week Countdown](https://echodepthfintec.com/insights/consumer-duty-board-report-countdown) — Board report due next month? What to pull, compare and fix in the four weeks before, to evidence outcomes for vulnerable customers under PRIN 2A.8. - [FCA Consumer Duty Outcomes Monitoring](https://echodepthfintec.com/insights/fca-consumer-duty-outcomes-monitoring) — FCA Consumer Duty requires firms to monitor outcomes for vulnerable customers and produce evidence on request. - [Emotional AI for FCA-Regulated Financial Services](https://echodepthfintec.com/insights/emotional-ai-fca-regulated-financial-services) — What emotional AI is, what the FCA says about it, and how to deploy it compliantly. - [FCA Consumer Duty Audit Trail](https://echodepthfintec.com/insights/fca-consumer-duty-audit-trail) — FCA Consumer Duty requires a documented audit trail proving proactive vulnerable customer identification. - [Trader Psychology & Real-Time Emotion Detection](https://echodepthfintec.com/insights/trader-psychology-real-time-emotion-detection) — How real-time facial Action Unit analysis delivers emotional signals to trading desks. - [FCA Consumer Duty Vulnerability Detection](https://echodepthfintec.com/insights/fca-consumer-duty-vulnerability-detection) — FCA Consumer Duty requires documented evidence that vulnerability was assessed before consequential decisions. - [Why Sentiment Analysis Fails](https://echodepthfintec.com/insights/why-sentiment-analysis-fails) — Keyword sentiment reads words, not people. The physiological signal beneath the words is what matters. - [Voice Vulnerability Detection in Collections](https://echodepthfintec.com/insights/voice-vulnerability-detection-collections) — Voice prosody analysis detects vulnerability in debt collection calls. - [ROI of Emotional Intelligence](https://echodepthfintec.com/insights/roi-emotional-intelligence) — £467,000 annual savings for a UK bank with 50,000 vulnerable cases. 3.1× ROI. --- **Last Updated:** 2026-06-19