Sideways
Fairer Finance
LIVETrust in numbers
FOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTDFOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTD
Stakes

Trust reduces cost
and increases
revenue.

It reduces the waste in acquisition, the exposure in regulation, the cost of recovering a reputation lost.

It increases lifetime value, the quality of advocacy, the resilience when things go wrong.

This is not a values argument. It's a profit and loss argument that most organisations aren't measuring.

What trust moves
REDUCES
Acquisition waste
REDUCES
Regulatory exposure
REDUCES
Reputation recovery cost
INCREASES
Lifetime value
INCREASES
Advocacy and resilience
LIVETrust in numbers
FOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTDFOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTD
The reframe

Trust is not a
communications strategy.

It is something a customer grants you quietly, at the moment they decide to act. Not because of what you said. Because of what they felt.

You cannot manufacture it. You cannot campaign for it. You can only design the conditions that make earning it possible.

LIVETrust in numbers
FOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTDFOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTD
The problem

Most organisations do
not mean to break trust,
their systems do it
for them.

Nobody decides to make the cancellation journey difficult. Nobody chooses to send the letter no one understands. It accumulates instead, policy by policy, automation by automation, each change rational on its own.

Comms owns the message. Product owns the journey. Compliance owns the rule. Nobody owns the customer moving through all three.

Customers don't complain about that gap. They just leave.

COMMS
owns the message
→
The letter
nobody understands
PRODUCT
owns the journey
→
Policy by policy
automation by automation
COMPLIANCE
owns the rule
→
Each change
rational on its own
One customer, crossing all three. Owned by none.
LIVETrust in numbers
FOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTDFOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTD

What ratings can
and can't tell you.

Trustpilot works as a shop window, and no marketing team is going to give that up.

But public ratings look outside-in. They cannot see the culture, the processes, or the moment a claim gets declined. In a regulated market, credibility you cannot back up when things go wrong is itself a regulatory risk.

Fairer Finance brings twelve years of market data on where financial services breaks trust, but thus far no stake in the answer. That's the outside view. Now Sideways complements this with the inside view and the means to nurture trustworthiness long before it becomes a star rating.

STAR RATING
the shop window
CANNOT SEE
CULTURE, PROCESS, THE MOMENT A CLAIM IS DECLINED
FAIRER FINANCE
the outside view · 12 years of market data
SIDEWAYS
the inside view · nurtures trustworthiness
↓
UNBACKED CREDIBILITY IS A REGULATORY RISK
LIVETrust in numbers
FOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTDFOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTD

The Sideways
diagnostic.

Perception is what people believe: brand reputation, sentiment, reviews, what customers carry into the decision. It can't tell you why.

Evidence is what's actually happening: your own data, journey analytics, drop-off, complaints, product performance.

Where the two diverge is the finding. Sideways reads that gap against your culture, processes and UX at the actual moments of truth, mapped to the four Consumer Duty outcomes and checked against your own FOS number. Then we rank each gap by whether it's stopping people choosing you, losing you customers, or becoming a regulatory problem.

That ranked list is the brief, structural and otherwise.

PERCEPTION
Brand, sentiment, reviews
EVIDENCE
Your data, journeys, complaints
↓↓
THE FINDING
checked against your FOS number
↓
ACQUISITION
not choosing you
RETENTION
losing you
REGULATORY
conduct problem
LIVETrust in numbers
FOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTDFOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTD
Two kinds of fix

Not every gap
closes the same way.

Some are structural: friction where there should be none, a decision hidden that should be explained, a policy nobody's revisited. These get solved by careful redesign — most of what a gap analysis surfaces will be exactly this.

But some gaps aren't UX problems. They're attitude problems, where the fix isn't about being smoother, it's about being different: a signal that something has genuinely changed. The best of these don't explain the shift in an ad or press release. They demonstrate it.

We call this thinking sideways rather than vertically: lateral fixes alongside logical ones, not instead of them. Same diagnostic, same evidence.

STRUCTURAL
Friction where there should be none
A decision hidden, not explained
A policy overdue a rethink
LATERAL
Not smoother — different
A signal something's changed
Demonstrated, not announced
RIGOUR
where to look, what to fix
LATITUDE
what else is possible
Remember to look Sideways.
LIVETrust in numbers
FOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTDFOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTD
Capability

We're not here
because the thinking
is beyond you.

We're here because you're too close.

Good design should feel obvious in hindsight. That's rather the point. Proximity hides things. We come in without the history, ask the question nobody's thought to ask, and see what familiarity has made invisible.

BEHAVIOURAL DESIGN
where trust forms and fractures
BEHAVIOURAL ECON
how people actually decide
SERVICE DESIGN
the whole system, not one team
DATA SCIENCE
evidence and signals
BRAND
trustworthiness into recognition
MARKETING
proves the change
PSYCHOLOGY
emotional architecture
PHILOSOPHY
what trustworthiness means
Accenture, WPP, Mother, Publicis, Zopa, UBS, Bank of London, ANNA
LIVETrust in numbers
FOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTDFOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTD

Trust given,
trustworthiness
designed.

Trust is what a customer grants you at the moment they decide to act. Trustworthiness is what you build to earn it: a clear explanation, an honest decision, genuine care when it's hard.

Because it's behaviour rather than feeling, it can be measured, designed and progressed.

Consumer Duty should be a lever, not a burden, for organisations willing to treat compliance as a design problem rather than a legal one. The firms that benefit most stop asking "are we compliant?" and start asking "have we designed for it, and what new opportunities exist at a moment when a change is already mandated?" (Hint: look Sideways.)

TRUSTGiven by the customer
GIVEN
TRUSTWORTHINESSBuilt through behaviour
EARNED
BEHAVIOURMeasurable. Designable.
DESIGNED
LIVETrust in numbers
FOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTDFOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTD

What customers say
when you're not in the room.

A brand is what customers say about you when you're not in the room. That's built at the core, not on the surface.

Expression is what you say: advertising, PR, copy, campaigns. Fast to change, visible immediately, owned by marketing. No longer credible alone without evidence of real change under the hood.

Function is what you do: UX flows, pricing, policies, the systems underneath. Slow to change, invisible until it fails, owned by everyone else.

Demonstration is also what you do, yet can take more lateral forms to help close the gap between claim and action. As a partnership, Fairer Finance and Sideways bring both the design and ideation capability and the independent outcome lens that tells you whether the fix is real as it lands.

EXPRESSION
What you say. Advertising, PR, copy, campaigns.
MUST AGREE
FUNCTION
What you do. UX, pricing, policies, systems.
DEMONSTRATION
Lateral. Closes the gap between claim and action.
A BRAND PEOPLE RECOMMEND
LIVETrust in numbers
FOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTDFOS uphold · banking42% Customer acq. cost£312 avg FCA investigations14 open Acq. cost uplift YoY+18% FS AgeasFOS upheld BlueCrest3 new citations Consumer Duty deadline62 days left Complaint volume+9% QoQ Avg. redress payout£1,840 Correction notices6 YTD
The framework

Seven signals of trust.

Not a values statement, but something we can observe, measure and design for, and what the diagnostic actually reads against.

1 Clarity. Communicating in ways that prioritise economy and navigational utility over exhaustive detail.
2 Honesty. A proactively candid disposition, followed through with perceptive, well-timed information.
3 Fairness. Design features that reassure customers they are not being treated worse than anyone else.
4 Care. A genuine, personal connection activated at the moment something goes wrong.
5 Friction. Simple things made easier, risky things made harder, so friction scaffolds good decisions.
6 Reliability. Proactive steps to prevent the system breakdowns that cost trust fastest.
7 Consistency. A continual improvement ethos that keeps every other signal aligned.
CLARITY HONESTY FAIRNESS CARE FRICTION RELIABILITY CONSISTENCY