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An independent annual ranking of the software that payment, e-money, lending, investment and insurance firms buy to monitor customer outcomes, approve financial promotions and track regulatory change. 14 providers, six criteria, nothing paid for.
Scores out of 100. Each segment weights the criteria differently; the method is below. Facts read on 26 October 2026 from the providers' own pages.
The mean of the 3 segment scores.
| Rank and provider | Score /100 | Status | Strongest for |
|---|---|---|---|
| 1. Zango | 74 | AI horizon scanning and promotions review platform | Firms wanting wide regulator coverage and promotions review in one tool |
| 2. Adclear | 65 | Financial promotions review and monitoring platform | Payment, lending and investment firms with high marketing volumes |
| 3. Ruleguard | 64 | Compliance platform with Consumer Duty, promotions and change modules | UK firms wanting all three jobs on one platform |
| 4. Archer | 53 | Enterprise risk and compliance platform with regulatory change | Large banks and insurers wanting regulatory change inside an enterprise risk platform |
| 5. Bloomberg Regology | 53 | Regulatory change and law library platform | US firms wanting a published per-user price for regulatory change alerts |
| 6. Relace | 43 | Consumer Duty and obligations platform | UK consumer credit, payments and wealth firms running a Consumer Duty programme |
| 7. Corlytics | 41 | Regulatory intelligence and change platform | Global banks, insurers and payment firms tracking regulation across many countries |
| 8. Sedric | 40 | Marketing and communications compliance platform | US and UK fintechs and trading firms reviewing marketing and partner content |
| 9. Saifr | 40 | AI marketing compliance review tool | US investment and insurance firms checking drafts against FINRA and SEC rules |
| 10. Red Marker | 37 | Marketing compliance scanning and approvals software | UK, US and Australian firms scanning documents and partner websites |
| 11. Aveni | 35 | Conversation outcome testing platform | Advice, wealth and lending firms testing outcomes across customer calls |
| 12. MorganAsh | 35 | Customer vulnerability management software | Insurers, advisers and lenders evidencing how they treat vulnerable customers |
| 13. CUBE | 31 | Regulatory intelligence and change platform | Global institutions needing regulatory change data across many countries and languages |
| 14. Recordsure | 29 | Conversation and document review platform | Banks and advice firms reviewing calls and case files for outcomes evidence |
Weighted to coverage and regulatory content: small compliance teams that need one tool and fast notice of changes from several regulators.
| Rank and provider | Score /100 | Status | Strongest for |
|---|---|---|---|
| 1. Zango | 73 | AI horizon scanning and promotions review platform | Firms wanting wide regulator coverage and promotions review in one tool |
| 2. Adclear | 65 | Financial promotions review and monitoring platform | Payment, lending and investment firms with high marketing volumes |
| 3. Ruleguard | 61 | Compliance platform with Consumer Duty, promotions and change modules | UK firms wanting all three jobs on one platform |
| 4. Bloomberg Regology | 55 | Regulatory change and law library platform | US firms wanting a published per-user price for regulatory change alerts |
| 5. Archer | 53 | Enterprise risk and compliance platform with regulatory change | Large banks and insurers wanting regulatory change inside an enterprise risk platform |
| 6. Relace | 42 | Consumer Duty and obligations platform | UK consumer credit, payments and wealth firms running a Consumer Duty programme |
| 7. Corlytics | 40 | Regulatory intelligence and change platform | Global banks, insurers and payment firms tracking regulation across many countries |
| 8. Sedric | 39 | Marketing and communications compliance platform | US and UK fintechs and trading firms reviewing marketing and partner content |
| 9. Saifr | 39 | AI marketing compliance review tool | US investment and insurance firms checking drafts against FINRA and SEC rules |
| 10. Red Marker | 36 | Marketing compliance scanning and approvals software | UK, US and Australian firms scanning documents and partner websites |
| 11. MorganAsh | 34 | Customer vulnerability management software | Insurers, advisers and lenders evidencing how they treat vulnerable customers |
| 12. Aveni | 33 | Conversation outcome testing platform | Advice, wealth and lending firms testing outcomes across customer calls |
| 13. CUBE | 32 | Regulatory intelligence and change platform | Global institutions needing regulatory change data across many countries and languages |
| 14. Recordsure | 28 | Conversation and document review platform | Banks and advice firms reviewing calls and case files for outcomes evidence |
Weighted most heavily to coverage: Consumer Duty and financial promotions rules bear directly on credit products and their advertising.
| Rank and provider | Score /100 | Status | Strongest for |
|---|---|---|---|
| 1. Zango | 71 | AI horizon scanning and promotions review platform | Firms wanting wide regulator coverage and promotions review in one tool |
| 2. Ruleguard | 65 | Compliance platform with Consumer Duty, promotions and change modules | UK firms wanting all three jobs on one platform |
| 3. Adclear | 62 | Financial promotions review and monitoring platform | Payment, lending and investment firms with high marketing volumes |
| 4. Bloomberg Regology | 51 | Regulatory change and law library platform | US firms wanting a published per-user price for regulatory change alerts |
| 5. Archer | 49 | Enterprise risk and compliance platform with regulatory change | Large banks and insurers wanting regulatory change inside an enterprise risk platform |
| 6. Relace | 41 | Consumer Duty and obligations platform | UK consumer credit, payments and wealth firms running a Consumer Duty programme |
| 7. Corlytics | 39 | Regulatory intelligence and change platform | Global banks, insurers and payment firms tracking regulation across many countries |
| 8. Sedric | 38 | Marketing and communications compliance platform | US and UK fintechs and trading firms reviewing marketing and partner content |
| 9. Saifr | 38 | AI marketing compliance review tool | US investment and insurance firms checking drafts against FINRA and SEC rules |
| 10. MorganAsh | 35 | Customer vulnerability management software | Insurers, advisers and lenders evidencing how they treat vulnerable customers |
| 11. Red Marker | 35 | Marketing compliance scanning and approvals software | UK, US and Australian firms scanning documents and partner websites |
| 12. Aveni | 34 | Conversation outcome testing platform | Advice, wealth and lending firms testing outcomes across customer calls |
| 13. Recordsure | 29 | Conversation and document review platform | Banks and advice firms reviewing calls and case files for outcomes evidence |
| 14. CUBE | 29 | Regulatory intelligence and change platform | Global institutions needing regulatory change data across many countries and languages |
Weighted to coverage, regulatory content and named regulated clients: high volumes of promotions and close scrutiny of outcomes and change.
| Rank and provider | Score /100 | Status | Strongest for |
|---|---|---|---|
| 1. Zango | 77 | AI horizon scanning and promotions review platform | Firms wanting wide regulator coverage and promotions review in one tool |
| 2. Adclear | 69 | Financial promotions review and monitoring platform | Payment, lending and investment firms with high marketing volumes |
| 3. Ruleguard | 65 | Compliance platform with Consumer Duty, promotions and change modules | UK firms wanting all three jobs on one platform |
| 4. Archer | 58 | Enterprise risk and compliance platform with regulatory change | Large banks and insurers wanting regulatory change inside an enterprise risk platform |
| 5. Bloomberg Regology | 54 | Regulatory change and law library platform | US firms wanting a published per-user price for regulatory change alerts |
| 6. Relace | 46 | Consumer Duty and obligations platform | UK consumer credit, payments and wealth firms running a Consumer Duty programme |
| 7. Corlytics | 43 | Regulatory intelligence and change platform | Global banks, insurers and payment firms tracking regulation across many countries |
| 8. Sedric | 43 | Marketing and communications compliance platform | US and UK fintechs and trading firms reviewing marketing and partner content |
| 9. Saifr | 43 | AI marketing compliance review tool | US investment and insurance firms checking drafts against FINRA and SEC rules |
| 10. Red Marker | 40 | Marketing compliance scanning and approvals software | UK, US and Australian firms scanning documents and partner websites |
| 11. Aveni | 38 | Conversation outcome testing platform | Advice, wealth and lending firms testing outcomes across customer calls |
| 12. MorganAsh | 36 | Customer vulnerability management software | Insurers, advisers and lenders evidencing how they treat vulnerable customers |
| 13. CUBE | 33 | Regulatory intelligence and change platform | Global institutions needing regulatory change data across many countries and languages |
| 14. Recordsure | 29 | Conversation and document review platform | Banks and advice firms reviewing calls and case files for outcomes evidence |
Each criterion is scored 0 to 5 against the best published offer in this edition. 0 means not offered or not published.
| Provider | Coverage of the three jobs | Published pricing | Regulatory content and update speed | Integration and workflow | Security standing | Evidence of regulated clients |
|---|---|---|---|---|---|---|
| Zango | 3 | 0 | 5 | 5 | 5 | 4 |
| Adclear | 2 | 0 | 5 | 4 | 5 | 4 |
| Ruleguard | 5 | 0 | 1 | 5 | 3 | 4 |
| Archer | 1 | 0 | 5 | 2 | 4 | 5 |
| Bloomberg Regology | 1 | 4 | 5 | 4 | 0 | 3 |
| Relace | 2 | 0 | 3 | 3 | 1 | 4 |
| Corlytics | 1 | 0 | 2 | 3 | 4 | 3 |
| Sedric | 1 | 0 | 2 | 3 | 3 | 4 |
| Saifr | 1 | 0 | 2 | 3 | 3 | 4 |
| Red Marker | 1 | 0 | 2 | 4 | 1 | 4 |
| Aveni | 1 | 0 | 0 | 3 | 3 | 5 |
| MorganAsh | 1 | 2 | 0 | 2 | 3 | 4 |
| CUBE | 1 | 0 | 4 | 3 | 0 | 1 |
| Recordsure | 1 | 0 | 0 | 4 | 3 | 1 |
6 criteria, scored only from what each provider publishes.
Whether one provider publishes a product for each of three jobs: Consumer Duty outcomes monitoring and board reporting (the FCA rule that firms must evidence good outcomes for retail customers and report them to the board), financial promotions review and approval (checking and signing off adverts and other marketing before and after they go live), and horizon scanning (watching regulators for new rules, guidance and enforcement, and alerting the firm).
Prices with the plan, unit and any minimum on the provider's own pages. "From", "starting at" and promotional prices do not count in full.
Whether the provider names the regulators or rulebooks it draws on, publishes how many sources or jurisdictions it covers, and states how quickly a new rule or update reaches the product.
An API (a way for the firm's own systems to connect to the software), named integrations with tools the firm already uses, an approval workflow with an audit trail (a permanent record of who decided what and when), and a stated time to go live.
Security certifications: ISO 27001 (an international standard for managing information security) and SOC 2 Type II (an independent audit of security controls over a period of months).
Regulated banks, payment, lending, investment or insurance firms named as clients, case studies or testimonials, and a published client count.
| Criterion | Payment and e-money firms | Lenders and consumer credit firms | Investment and insurance firms |
|---|---|---|---|
| Coverage of the three jobs | 25 | 30 | 25 |
| Published pricing | 15 | 15 | 10 |
| Regulatory content and update speed | 20 | 15 | 20 |
| Integration and workflow | 15 | 15 | 15 |
| Security standing | 15 | 15 | 15 |
| Evidence of regulated clients | 10 | 10 | 15 |
| Criterion | 5 | 3 | 0 |
|---|---|---|---|
| Coverage of the three jobs | Consumer Duty monitoring with board reporting, promotions review and approval, and horizon scanning all published in full | Two of the three published in full | Not published |
| Published pricing | Prices, units and minimums for every plan on the provider's pages | A price published for at least one plan, others on request | Not published, or "from" prices only |
| Regulatory content and update speed | Named regulators or rulebooks, a published source or jurisdiction count and a stated update time | Two of the three published | Not published |
| Integration and workflow | API, named integrations, approval workflow with audit trail and a stated time to go live | Two of the four published | Not published |
| Security standing | ISO 27001 and SOC 2 Type II | One of the two published | Not published |
| Evidence of regulated clients | Named regulated clients with case studies or testimonials and a published client count | Named regulated clients shown as names or logos | Not published |
Score out of 100 is the sum of each criterion score divided by five and multiplied by its weight. The overall ranking is the mean of the segment scores. Ties are broken by coverage of the three jobs, then security standing. A provider that does not publish a price is scored as though the price were high, because a business cannot plan on an unpublished price. Prices are scored on the standard published rate, never an introductory, promotional or "from" rate, and a figure counts only when it appears on a pricing, fee or terms page rather than in a marketing line. A provider that serves one country only is scored on access for that country, and the limitation is printed in its profile.
What each provider publishes, criterion by criterion, with the date read and the source.
A UK AI platform covering horizon scanning across 700+ regulators and a promotions review tool called Marketing Copilot. It publishes the fullest content coverage and update speed in this edition, a go-live time of one week, and both main security certifications. It does not publish a Consumer Duty outcomes or board reporting product, or prices.
| Coverage | Horizon scanning: "Monitor regulatory sources continuously and receive AI-summarised compliance alerts in real time". Marketing Copilot "reviews and approves financial promotions" against COBS 4, MCOB 3 and CONC 3, with post-publication monitoring. Consumer Duty listed as a covered framework; no outcomes monitoring or board report product published. |
| Pricing | Not published on the pages read. |
| Regulatory content | "Zango covers 700+ regulatory authorities across 120+ jurisdictions", including the FCA, PRA, EBA, SEC, FINRA and MAS; "Alerts arrive within hours of publication." |
| Integration | Connects "via API, file transfer, or upload"; policies read from Google Drive or SharePoint; maker-checker approvals with "export-ready audit trails"; "most compliance teams are fully operational within one week of signing." |
| Security | "Zango holds SOC 2 Type II and ISO 27001 certifications"; AES-256 at rest, TLS 1.3 in transit, configurable data residency. |
| Clients | Testimonials from NovoBanco (Head of Regulatory Affairs) and Juni (VP Compliance and Risk Control); Fasanara Capital logo. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.zango.ai, www.zango.ai, www.zango.ai, www.zango.ai.
A UK and US platform for reviewing, approving and monitoring financial promotions, with rule packs that track regulatory change. It publishes named rule sources with a 24-hour update time, both main security certifications, UK data residency and named regulated clients. It does not publish prices or a Consumer Duty outcomes product.
| Coverage | "Review, approve and monitor every financial communication against FCA, FINRA, SEC and UDAAP rules"; configurable approval chains; post-publication scans. Horizon Scanning: guidance, consultation papers, enforcement actions and Dear CEO letters "translated into rule pack that updates monthly". Consumer Duty appears as a rule pack, not an outcomes product. |
| Pricing | Not published on the pages read. |
| Regulatory content | "Rule packs for FCA, FINRA, SEC, CFPB and FDIC requirements, updated within 24 hours"; knowledge base includes the "FCA Handbook, ASA CAP/BCAP codes"; "100+ regulators worldwide". |
| Integration | "Native integrations with Slack, Figma, Google Docs, Contentful, Jira, Monday.com and Workfront"; affiliate feeds "via CSV or REST API"; "Multi-stage, role-based sign-off" with a "Full audit trail from day one". No go-live time published. |
| Security | "Adclear is ISO 27001 and SOC 2 Type II certified, and Cyber Essentials Plus accredited"; "UK data residency by default", EU and US residency on enterprise plans. |
| Clients | Case studies for Plum, InvestEngine, PensionBee and Trade Nation; "Join teams at Lloyds Bank, PensionBee and IG". |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.adclear.ai, www.adclear.ai, www.adclear.ai, www.adclear.ai, www.adclear.ai, www.adclear.ai.
A UK compliance platform with separate modules for Consumer Duty, financial promotions and regulatory change. It is the only provider in this edition whose own pages show all three jobs in full, with an API, a Zapier connection and a stated testing period. It holds ISO 27001 and names regulated clients, but does not publish prices or name the regulatory sources it monitors.
| Coverage | Consumer Duty module: controls mapped "to the four consumer outcomes and three cross-cutting rules" and "Board reporting and governance" compiled from the platform. Financial Promotions module: "multi-stage review and approval" and a "Centralised promotions register". Regulatory Change Management: tracking "from horizon scanning through implementation". |
| Pricing | "Ruleguard uses value-based pricing related to the number of regions, legal-entities, and compliance use-cases". No figures published. |
| Regulatory content | "Regulatory sources are monitored and relevant changes surfaced as they're published"; tracks "multiple regulators and jurisdictions". No source names or counts published. |
| Integration | "full REST API suite" with OpenAPI documentation; Zapier link to "7,000+ platforms like Slack, Salesforce, Teams, and SharePoint"; CSV batch ingester; immutable audit trail; "We recommend 10-12 weeks of agent testing and feedback to reach a steady run-rate". |
| Security | "Ruleguard is ISO 27001 certified" and "compliant with ISO 42001"; data hosted in the United States, United Kingdom, European Union and Australia. |
| Clients | Rathbones Asset Management case study; homepage logos include Quilter Cheviot, Monex and ADM Investor Services. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.ruleguard.com, www.ruleguard.com, www.ruleguard.com, www.ruleguard.com, www.ruleguard.com, www.ruleguard.com, www.ruleguard.com, www.ruleguard.com.
A US enterprise risk and compliance platform whose regulatory change service monitors 8,000+ sources and maps each change to the firm's controls. It publishes a source count, named regulators and the largest named client base in this edition. It does not publish Consumer Duty or promotions products, prices or an API on the pages read.
| Coverage | Regulatory Change Center: "Every new rule, amendment, and enforcement action mapped to your controls as soon as it's published." No Consumer Duty or financial promotions product on the pages read. |
| Pricing | Not published; the pricing page shows no figures. |
| Regulatory content | "Monitor 8,000+ regulatory sources across 180 jurisdictions, from SEC and FINRA to DORA"; "8,000+ regulatory sources monitored continuously". |
| Integration | "Pull regulatory news from prebuilt feeds, your own RSS sources, or manual entry"; "Structured impact review" for each item; evidence "in a versioned repository". API and go-live time not published on the pages read. |
| Security | "Trusted by 1,500+ enterprises · 70+ countries · SOC 2 · ISO 27001" (SOC 2 type not stated). |
| Clients | "more than 1,500 organizations run on Archer" including "38 of the top 50 global banks"; case studies from TD Bank, TIAA, Sallie Mae, Eastern Bank and Banorte. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.archerirm.com, www.archerirm.com, www.archerirm.com, www.archerirm.com, www.archerirm.com.
A US regulatory change platform, now owned by Bloomberg Industry Group, with a self-updating law library and AI alerts. It is the only provider in this edition to publish a per-user price, and it names GRC integrations. It covers horizon scanning only and does not publish security certifications on the pages read.
| Coverage | Regulatory Change Agent: "Track regulatory changes for any jurisdiction and receive alerts"; horizon scanning of bills and new laws. No Consumer Duty or financial promotions product. |
| Pricing | Reggi assistant: Free. Professional: "$1,700 /user/month (with 3 year contract)" for US federal and all 50 states. Enterprise: "Contact us". |
| Regulatory content | "US federal & All 50 states", "Global jurisdictions available", "Search across 16+ million documents"; "real-time updates on laws, regulations, and agency communications". |
| Integration | "GRC Integrations (e.g., ServiceNow, Archer, Diligent, & more)" and "Custom API Integrations" on Enterprise; impact assessment workflow and task assignment. No go-live time published. |
| Security | Not published on the pages read. |
| Clients | Logos include KeyBank and TD; case studies anonymised ("A regional bank", "One of the largest banks in the US", "A global currency exchange provider"). |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.regology.com, www.regology.com, www.regology.com, regology.com, regology.com.
A UK platform that runs a firm's Consumer Duty programme, from products and target markets to fair value, complaints, metrics and board reporting, on top of a live register of obligations. It states set-up in minutes to hours and UK or EEA data storage, and names one client. It does not publish a promotions approval product, prices, an API or security certifications.
| Coverage | Consumer Duty: "Products & target markets", "Customer journeys", "Vulnerabilities & harms", "Fair value", "Complaints", "Metrics & board reporting"; "Reports and board packs". Platform: "Live obligations. Every rule you have to follow, with real-time status". No financial promotions approval product. |
| Pricing | Not published on the pages read. |
| Regulatory content | "Every obligation traceable to its primary source"; "Rulebooks, enforcement actions and commentary"; assessed "against FCA guidance for your sector"; covers "the UK, EU, US and Middle East". No update time published. |
| Integration | Firm profile "populated from the FCA Register, Companies House and a variety of other sources"; documents uploaded "in whatever format they come"; "Owners, approvals and sign-off trails on every requirement"; "Build your programme in minutes to hours". No API published. |
| Security | "stored data staying in the United Kingdom or the European Economic Area"; encryption in transit and at rest; AI models "with zero data retention". No certification published. Selected for Cohort 2 of the FCA Supercharged Sandbox. |
| Clients | "Firms working with Relace include Gemcorp Capital, a $7B AUM private credit investor", with a quote from its Chief Compliance Officer and MLRO. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: withrelace.com, withrelace.com, withrelace.com, withrelace.com, withrelace.com.
An Irish regulatory intelligence provider with horizon scanning, a regulation library and policy management. It holds ISO 27001 and a SOC 2 Type 1 report and shows logos of banks, insurers and regulators. It covers horizon scanning only and publishes no prices, source counts or go-live time.
| Coverage | Regulatory Monitoring: "Identifying and tracking emerging regulatory risks with horizon scanning". No Consumer Duty or financial promotions product. |
| Pricing | Not published on the pages read. |
| Regulatory content | "Automated real-time global content, in a centralised store, from global regulatory bodies"; library holds a "Baseline set of laws, regulations, handbooks and guidance across global jurisdictions". No source count published. |
| Integration | "APIs to enable integration with other Risk or GRC systems"; "Workflow to carry out all impact assessments in a single location". No go-live time published. |
| Security | "As an ISO/IEC 27001 certified organisation"; SOC 2 Type 1 report "created by independent CPA Thoropass". |
| Clients | Case studies page shows logos including ING, abrdn, Natixis, Swiss Re, SCOR and Vontobel; the eight case studies are anonymised. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.corlytics.com, www.corlytics.com, www.corlytics.com, www.corlytics.com, www.corlytics.com.
A US marketing and communications compliance platform that reviews and approves marketing content and monitors partner channels. It holds SOC 2 Type II and names a UK trading firm among its clients. It covers promotions only and publishes no price figures, source counts or go-live time.
| Coverage | Marketing Compliance: "Review and approve marketing content before it goes live" and live monitoring of partner and affiliate content. No Consumer Duty outcomes or horizon scanning product. |
| Pricing | "Sedric is priced by modules and volume. Get a quote tailored to your business." No figures published. |
| Regulatory content | Rules listed include UDAAP, Reg Z, TILA, ECOA, CFPB, SEC, FINRA, FCA, ESMA, MiFID and MiCA; "Built-in regulation libraries". No update time published. |
| Integration | "Link your CRM, dialers, and design tools"; "Work inside your existing tools or in Sedric"; "every override is logged with reasoning". No API documentation or go-live time on the pages read. |
| Security | "Sedric is SOC 2 Type II compliant"; encryption in transit and at rest. |
| Clients | Customer video "Why Trading 212 chose Sedric"; Libertex communications case study. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.sedric.ai, www.sedric.ai, www.sedric.ai, www.sedric.ai, www.sedric.ai.
A US AI tool, owned by FMR (Fidelity), that checks marketing drafts against FINRA, SEC and insurance advertising rules inside Microsoft 365, Google Docs, Figma and Adobe. It holds SOC 2 Type 2. It flags risks for review rather than running approvals, covers no other job in this index and publishes no price figures.
| Coverage | SaifrReview: "Highlight potential compliance risks", "Suggest more compliant phrasing" and "Create cleaner drafts for review and approval". No approval sign-off, Consumer Duty or horizon scanning product. |
| Pricing | "License pricing available per user or enterprise. For more info, please contact Sales." No figures published. |
| Regulatory content | Rules named: "FINRA 2210, SEC 482, SEC Marketing Rule" and "NAIC model laws"; "When regulations change, our compliance and data science teams work together to fine-tune and validate our AI models". No update time. |
| Integration | Add-in "within Microsoft 365 (.docx, .xlsx, .pptx, etc), Google Docs, FIGMA, and PDF"; Adobe GenStudio integration; "all our products available via APIs". No go-live time published. |
| Security | "SaifrReview and SaifrScreen are SOC 2 Type 2 certified". |
| Clients | Testimonial from an Associate Vice President, Regulatory Compliance at Nasdaq; two anonymised case studies. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: saifr.ai, saifr.ai, saifr.ai, saifr.ai.
An Australian marketing compliance provider, now part of IntelligenceBank, that scans documents and websites for risky wording and routes content through approvals. It publishes rule libraries, an API and named UK clients. It covers promotions only and publishes no prices or security certifications on the pages read.
| Coverage | Document Scanning and Web Reports for marketing content; "an Approvals tool... customized to request approval from specific teams or individuals in a sequential manner". No Consumer Duty or horizon scanning product. |
| Pricing | "Our document scanning software and web reports are custom solutions. To request a quote..." No figures published. |
| Regulatory content | Rule library modules "incorporating relevant guidelines from FINRA, SEC, CFPB, FCA, ESMA, MFID II and more", including FINRA Rule 2210 and SEC Rule 482. No update time published. |
| Integration | "an API allowing seamless integration with third-party tools" and a developer portal; Microsoft Word, PowerPoint and Adobe Workfront integrations. No go-live time published. |
| Security | Hosted on AWS in regions by client location (FAQ). No certification stated on the pages read; security portal could not be opened. |
| Clients | Golden Charter case study ("Over 12,000 partner web pages monitored"); news item "Nationwide forms strategic partnership with Red Marker". |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: redmarker.ai, redmarker.ai, redmarker.ai, redmarker.ai, redmarker.ai, redmarker.ai, redmarker.ai, redmarker.ai.
A UK AI platform whose Detect product tests customer outcomes across every recorded conversation and reports trends up to board level. It names the most UK regulated clients of the Consumer Duty tools in this edition and holds ISO 27001. It does not publish promotions approval, horizon scanning, prices or regulatory content sources.
| Coverage | Detect: "Automated outcome testing for every client case"; "Compliance, team leads and the board all look at the same real-time picture". Privacy page: "Consumer Duty KPI monitoring". No financial promotions or horizon scanning product. |
| Pricing | Not published on the pages read. |
| Regulatory content | Detect "evaluates every interaction against your own compliance framework"; no regulatory source or update time published. |
| Integration | Upload of "audio, transcripts or documents"; reviewers "check, adjust or overturn" findings with every change logged; customer story titled "From Setup to Results in 2 Weeks". No API published on the pages read. |
| Security | "ISO 27001 certified"; UK GDPR; runs on AWS with AES-256 encryption. SOC 2 not stated. |
| Clients | "Aveni works with over 250 banks, advice networks, wealth managers and compliance providers across the UK"; logos include Lloyds Banking Group, Nationwide and Quilter; testimonials from Equifax and Age Partnership; Octopus Money story. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: aveni.ai, aveni.ai, aveni.ai, aveni.ai.
A UK provider whose MARS software assesses, monitors and reports on vulnerable customers, one part of Consumer Duty outcomes work. It publishes per-customer prices with a minimum, ISO 27001 and a long list of named insurers and advice firms. It does not cover promotions or horizon scanning, and its prices are labelled "starting from".
| Coverage | MARS: "Software and services to assess, identify, monitor, support and report on vulnerable customers" with "detailed monthly reports" and management information. No financial promotions or horizon scanning product. |
| Pricing | Standard: "Starting from £500 per year + VAT For up 300 customers (£1.67 per customer, per year)". Enhanced: "Starting from £725 per year + VAT" "(2.42 per customer, per year)". "200 customers (minimum)"; volume discounts; one month free. |
| Regulatory content | Not published; references the FCA's Financial Lives survey and checks each consumer on the Vulnerability Registration Service (Enhanced plan). |
| Integration | "Our API (application programming interface) integrates easily with other systems"; standalone use; bulk upload on Enhanced. No approval workflow or go-live time published. |
| Security | "MorganAsh is an ISO 27001-certified and Cyber Essentials Plus-certified company." |
| Clients | Clients listed include Royal London, Zurich, Canada Life, Quilter, St James's Place, Generali and Irish Life; testimonial from the CEO of Foresters Financial UK. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.morganash.com, www.morganash.com, www.morganash.com.
A UK regulatory intelligence provider that tracks regulatory publications from 10,000+ issuing bodies in 250 countries and territories, with a REST API. It publishes the widest country and language coverage in this edition. It covers horizon scanning only and publishes no prices, security certifications or named clients on the pages read.
| Coverage | RegPlatform: "Horizon Scanning tracks regulatory change across every country, territory and published language, surfacing what is material to you in real time." No Consumer Duty or financial promotions product. |
| Pricing | Not published on the pages read. |
| Regulatory content | "Regulatory publications captured from 10k+ issuing bodies across 250 countries and territories in 100 languages"; "150k sources monitored"; "continuously updated in real time". Regulators not named. |
| Integration | "Bring Intel content into your existing systems through a REST API, with a Developer Portal"; end-to-end change workflow to "Reporting and Audit". No named integrations or go-live time. |
| Security | Not published on the pages read. |
| Clients | "CUBE works with leading global financial institutions"; no clients named on the pages read. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.cube.global, www.cube.global, www.cube.global, www.cube.global, www.cube.global.
A UK platform that reviews recorded conversations and case files and turns findings into management information. It supports Consumer Duty evidence, publishes an API, Power BI reporting and UK hosting, and holds ISO 27001. Its Consumer Duty support is one part of the job, its case studies are anonymised, and it publishes no prices.
| Coverage | "Recordsure can help firms capture and review evidence of customer needs, understanding, support, process adherence and service activity across conversations and case files." No board reporting, promotions or horizon scanning product. |
| Pricing | Not published; "Access, licensing and scope are agreed for your use." |
| Regulatory content | Not published; "The exact checks, reporting and review framework are configured for the organisation and use case." |
| Integration | API that "underpins Recordsure's own product architecture"; CRM, Microsoft Entra ID and embedded Power BI; workflow automation and "searchable audit trails". No go-live time published. |
| Security | "ISO 27001:2022" certified and Cyber Essentials Plus; "Core service hosted in Microsoft Azure UK"; CREST penetration testing. |
| Clients | Case studies anonymised ("Major Tier 1 Bank, UK"); homepage logos are partners and public bodies, not named regulated clients. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: recordsure.com, recordsure.com, recordsure.com, recordsure.com, recordsure.com.
The index is paid for by nobody.
No provider pays to be assessed, listed or ranked, and there are no sponsored places. Providers do not apply: BCC selects the providers a business is likely to consider and scores them from their own pages. Any provider may ask to be assessed; the request changes nothing about the score.
Every figure is read from the provider's own pricing, product, legal or help page on the date shown. Providers may send corrections to [email protected]; a correction changes the page only where the provider's own page supports it. Every provider is re-read monthly and a new edition is published each October.
Consultancies, law firms and research firms that sell Consumer Duty or promotions work as a service are left out, including CoreData, which is a research consultancy. Regulatory reporting software is left out, including Kaizen and Novatus, whose pages show trade and transaction reporting rather than these three jobs. ComplyAdvantage Mesh and Napier sell AML screening and monitoring and Regnology sells regulatory reporting, so they are ranked in other indices. Waymark, now part of Ascent, is left out because no Waymark product page could be read. Ascent and Red Oak Compliance are not assessed in this edition because their pages could not be read. Finspector is left out because its pages publish too little to score.
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Embed: <a href="https://www.buckinghamcapitalconsulting.com/consumer-duty-software-index"><img src="https://www.buckinghamcapitalconsulting.com/assets/bcc-consumer-duty-software-index-2026.svg" alt="Ranked in the Buckingham Capital Consulting Consumer Duty and Financial Promotions Software Index 2026" width="300"></a>
Nobody. No provider pays to be assessed, listed or ranked.
Consumer Duty outcomes monitoring and board reporting, which means measuring whether retail customers get good outcomes and reporting that to the board each year; financial promotions review and approval, which means checking adverts, social posts and web pages against the rules and signing them off; and horizon scanning, which means watching regulators for new rules, consultations and enforcement and alerting the firm.
Because most regulated firms need all three jobs done, and the evidence from each feeds the others. A promotion approval is evidence for the Consumer Duty consumer understanding outcome, and a new rule found by horizon scanning can change both. Each extra provider adds a contract and a gap between records that a regulator or auditor may ask about.
No. The firm and its senior managers stay responsible. Software can gather evidence, flag risks and keep records, but the firm's own people must judge outcomes, approve promotions and sign off the board report.
Because almost none publish a price. Only Bloomberg Regology publishes a per-user price and MorganAsh publishes per-customer rates labelled "starting from". A firm cannot compare cost without a published price, so the method scores an unpublished price as 0.
Every provider is re-read monthly and a new edition is published every October. This index is not advice and is not a recommendation to use a particular provider.
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