Miggins

Bringing the customer voice into regulated communications compliance.

Miggins helps firms test high volumes of regulated communications for Consumer Duty, customer understanding and compliance evidence before they go live.

The Miggins platform can analyse high volumes of financial promotions, client letters, fund documents, disclosure materials, product summaries, factsheets and web content before they reach customers. It assesses whether communications are clear, balanced and likely to be understood by the intended audience, while also identifying potential issues against Consumer Duty, financial promotions and other FCA-aligned communication requirements.

A core part of the platform is its use of structured synthetic customer personas. These personas represent different target-market customers, including customers with characteristics linked to vulnerability, such as lower financial resilience, lower confidence, lower capability, health-related needs or significant life events. Miggins assesses how these different customer types may interpret a communication, what they may misunderstand and where they may need clearer support.

This helps firms move from selective, manual and often late-stage review to a more scalable, repeatable and evidence-led approach. Teams can test more communications earlier in the process, reduce avoidable rework and create a clearer audit trail showing how customer understanding and compliance risks have been considered.

Miggins does not replace compliance, legal or governance approval. It gives those teams clearer evidence, earlier in the process, so they can focus their judgement where it matters most.

At its heart, Miggins helps firms answer a critical Consumer Duty question: not just “have we said this correctly?”, but “is the customer likely to understand it?”