Fair Conduct

The Future of
Customer Governance.

The next generation of regulation is focused on customer outcomes. Altara provides the intelligence to continuously monitor them — turning customer governance from a point-in-time compliance exercise into an ongoing fair conduct capability.

TechSprint Participant 2026
World Investor Week
Consumer Trust Wallet
Customer Outcomes
Foreseeable Harm
Appropriate Advice
Product Understanding
Trust Wallet
Trusted Evidence
Beyond Onboarding

Understand:
What Regulators Now Expect You to Prove

For decades, customer governance has focused on onboarding, identity verification and financial crime compliance. Boards and regulators increasingly expect organisations to demonstrate that customers understand products, receive appropriate advice, are treated fairly and are protected from foreseeable harm throughout the customer lifecycle.

Continuous monitoring across the full customer lifecycle

Do they understand?

Evidence that customers understand the products they hold.

Was the advice right?

Demonstrate that customers received appropriate advice.

Are they protected?

Show customers are shielded from foreseeable harm.

From point-in-time compliance to ongoing capability.

Continuous outcome monitoring rather than an annual attestation exercise.

Consumer Trust Wallet

Empower:
The Consumer-Facing Trust Layer

The Consumer Trust Wallet empowers consumers to understand products, manage trusted credentials, receive personalised guidance and securely share information — while providing organisations with permission-based intelligence and trusted evidence of fair conduct.

Plain-language explanations that help consumers understand what they hold and why.

A secure place for consumers to hold and manage their trusted information.

Timely, relevant guidance before important financial decisions are made.

Permission-based sharing that gives organisations trusted, consented intelligence.

Permission-based

Intelligence gathered with consumer consent, not inferred without it.

Trusted evidence

Demonstrable proof of fair conduct and consumer protection.

Two-way value

Consumers gain clarity; organisations gain evidence.

Demonstrate fair conduct with evidence, not assertions.

Permission-based intelligence and trusted evidence drawn from real customer behaviour.

What Regulators Expect

Trusted outcomes.
Proven across the customer lifecycle.

The obligations boards and regulators increasingly expect organisations to evidence.

Product understanding

Customers understand the products they have purchased.

Appropriate advice

Advice given suits the customer’s circumstances and needs.

Fair treatment

Customers are treated fairly at every stage of the relationship.

Protection from harm

Foreseeable harm is identified and prevented, not explained later.

Continuous monitoring

Outcomes tracked over time rather than sampled annually.

Consumer Trust Wallet

A direct, consented channel to the customer.

Trusted evidence

Defensible proof of fair conduct for boards and regulators.

Consumer protection

Protection embedded into the customer journey itself.
The next generation of regulation is focused on customer outcomes.

FAQs

What conduct and product teams ask when moving from onboarding compliance to outcome governance.

KYC verifies identity at onboarding. Fair Conduct continuously monitors whether customers understand products, receive appropriate advice, are treated fairly and are protected from foreseeable harm.

The consumer-facing trust layer of Altara. It lets consumers understand products, manage trusted credentials, receive personalised guidance and share information securely.

No. The Wallet provides organisations with permission-based intelligence — the consumer controls what is shared.

Trusted evidence demonstrating fair conduct and consumer protection, drawn from real customer interactions rather than periodic surveys.

Altara is a TechSprint Participant for 2026, taking part in World Investor Week.

Fair Conduct plugs into AURA, so the obligations AURA tracks are monitored against real customer outcomes.

Every Digital Decision
Creates a Trust Obligation.

Tomorrow’s leading organisations will not govern AI, regulation, data and consumers separately. They will govern them as one connected ecosystem. That ecosystem is Altara.