Financial behavior stations have five functions and five fields for improvement of excellent consumer obligations.
This report is based on the results of the target and theme reviewed by regulatory authorities in the first annual consumer compulsory committee report from 180 companies. 
Consumer obligations were enforced for products and services closed on July 31, 2023 and July 31, 2024. As part of the rules, companies need to prepare a report of a control agency that stipulates the results of consumer results and the results of the necessary behavior as a result of monitoring.
Financial regulatory authorities focus on clear results, high -quality data, various customer -type analysis, clear processes for the production of reports, and the culture of the entire company. Includes to hit.
The FCA states that the report needs a dedicated section that focuses on the four results, details the appearance of customers holding the product. This should be supported by high -quality management information that supports the company's conclusion.
The four results include products and services, prices and value, consumers, and consumer support.
Companies also need to consider various customer groups, including customer groups that have characteristics of vulnerabilities.
In addition, the FCA states that a corporate governance agency for companies to review and approve in the required time frame needs to conduct processes to create reports. Good result.
On the other hand, FCA suggests that the area of improvement focuses on better data quality, comprehensive views of the entire distribution chain, analysis of various customer types, challenges from boards, and effective behavior. I am.
In some reports, FCA did not include enough data quality to justify the conclusions and that the company is satisfying obligations based on obligations to the appropriate guarantee. I am emphasizing.
Some people also say that the management information did not accompany the appropriate explanation to clearly explain the evidence of the good results of the customer.
In other places, other reports did not contain evidence that the appropriate amount and type of information were shared between companies in the distribution chain and third parties, but some reports. Did not contain evidence that the results of various customer groups were given appropriate considerations. Includes those with the characteristics of vulnerability.
It is also worth noting that the FCA, for example, has been an effective challenge from a corporate government agency regarding the contents of the report, for example, through the minutes of the board meeting.
Finally, it suggests that some action plans and improvements do not have the details of time scale, action owner, and the clarity of data used to prove good results.
