Better Industry

As the connecting force within retail financial services industry, we help the market operate more effectively by improving, innovating and digitising financial products, solutions and processes that benefit everyone.

We remain future focused, constantly exploring new ideas with the interests of our clients and their customers at heart, to ensure that the market can continue to meet the evolving needs of consumers now and in the future.

Fintel's ESG Strategy

Better Future Financial confidence Thriving workforce Community engagement Better Business Corporate governance   Environmental footprint   Better Industry Innovation & digitisation ESG enablement

2021 highlights

Expanded our ESG research platform

Launched ESG fund selection filters

Joined Diversity & Inclusivity Finance Forum

Industry Innovation and Digitisation

Working at the heart of the market, we use our knowledge, insights and technology to improve the effectiveness of UK retail financial services. We are committed to continuously improving, innovating and digitising products, processes and solutions to shape a better financial future.

Our focus
  • Continued development of our digital capabilities and technology and service platform
  • Expansion of our distribution as a service (‘Daas’) helping product providers to design and distribute better products
  • Driving efficiencies through digital and hybrid service delivery
2022 Priorities
  • Further development of the provider portal
  • Expansion of DaaS into adjacent protection and mortgage markets
  • Scaling of our hybrid events programme

Improving Product Design And Distribution Through 'Distribution As A Service'

In 2021, we launched Distribution as a Service ("DaaS"), a first of its kind subscription service helping product providers to improve the design, suitability and distribution of their products through behavioural and segmental analysis. In 2022 we have continued to scale this service into adjacent markets, now working with over 20 leading industry brands.

Our goal is further expansion of the DaaS model through integration with the full product lifecycle, supporting product design with market insights and expert analysis to drive the development of tailored propositions that reflect evolving consumer needs.

Focus on Regulatory Technology to Improve Client Outcomes

In response to the increasing sophistication of advice requirements, we introduced a new cognitive assessment tool to support advisers in identifying and serving vulnerable clients. Regulatory technology is a key focus for the future as an enabler for intermediaries to serve more clients, more effectively, improving consumer outcomes.

Driving Efficiency Through Digital and Hybrid Service Delivery

Our focus is to continue to digitise our core services, to drive further efficiency and offer our customers greater choice and flexibility. This includes:

  • Our extensive hybrid learning and development events programme for financial advisers has been scaled through introduction of a state-of-the-art digital events platform, offering intermediaries efficiency, flexibility and choice.
  • Our new virtual compliance health checks for financial advisers have been introduced to complement the existing consultative services provided by our team, increasing access, and providing greater efficiency and flexibility for our customers.
  • Our zero contact valuations allow us to provide valuations without stepping over the threshold by harnessing the power of the technology, which represents a significant step in evolution of valuations within the mortgage industry.


attendees at our hybrid educational programme in 2021

Our contribution towards U.N. Sustainable Development Goals

Decent work and Economic GrowthTarget 8.2 Diversify, innovate and upgrade for economic productivity

With a continuous focus on simplifying and improving retail financial services, we support the growth of intermediary businesses, increasing their efficiency through innovation, service and technology development, so that they can serve more clients, more effectively.

ESG Enablement

With increased investor focus on non-financial factors, and the rise of environmental, social, and governance (“ESG”) investing, we strive to deliver market leading solutions to enable the inclusion of ESG criteria within the financial planning and product development processes and collaborate with the industry to raise awareness of ESG topics.

Our focus
  • Enabling consumers and financial intermediaries to make financial decisions that reflect personal principles
  • Industry collaboration and education to embed ESG considerations within the UK Retail Financial Services
  • Education and support for intermediaries looking to embed ESG within the advice process
2022 Priorities
  • Expansion of ESG research platform to cover a wider range of retail investment funds
  • Launch of Mortgage Action Climate Group co-funded by Simplybiz Mortgages, designed to support intermediaries to understand and address green issues when dealing with mortgage applications
  • Delivery of an ESG adviser education programme

ESG Reviews

Created by Defaqto's expert insights team, our unique, independent ESG reviews enable advisers to assess funds from an ESG point of view on a transparent and consistent basis, helping them identify suitable investments that reflect their client’s personal principles and preferences.

Defaqto ESG fund reviews cover, among other things:

  • The fund’s ESG policy and how well the fund or portfolio aligns to it
  • Product involvement, if any, in certain controversial areas
  • ESG integration based on IA responsible investment framework
  • Any adherence to the UN Sustainable Development Goals
  • The asset management firm’s voting and engagement policies with corporates on ESG
  • The company resources in terms of ESG behind the fund


retail investment funds now covered by our ESG research platform

defaqto ESG Reviewed 

ESG Filter

Our ESG fund filters, available to financial advisers through our proprietary advice software, allow advisers to filter funds in line with their client’s ESG preferences, arming them with 31 new data points that can be applied to a population of sustainable funds or used on an exclusionary basis for the wider fund universe.


of retail investment advisers and wealth managers have access to our fund filters

ESG Profiler

Interest in ESG, sustainable and impact investing is on the rise, however lack of standardisation of definitions creates a challenge for financial advisers. To assist them in understanding their client’s ESG investment profile and preferences during the advice process, we developed a digital ESG client profiler, which can be accessed via our proprietary advice software.


wealth managers and financial advisers have access to our digital ESG client profiler

Industry collaboration and education

As a connecting force in UK retail financial services, we use our knowledge and reach to drive positive change through collaboration with the wider industry.

Mortgage Climate Action GroupC In 2022 our mortgage division, SimplyBiz Mortgages, collaborated with industry partners to form a new Mortgage Climate Action Group. Aiming to interpret new climate change legislation and engage with industry stakeholders, the Group will act as a source of support for intermediaries, helping them to understand and address green issues when dealing with mortgage applications.

Related Documents

Fintel plc Annual Report & Accounts 2021
ESG Report 2021

Get in touch

To find out more information about our impact email us.

Our Impact

Driving positive change in our business, our industry and broader communities, inspiring better outcomes for all.

Better Future

Empowering our people and communities, promoting diversity, learning and financial education to create opportunities for all.

Better Business

Driving positive change in our business, our industry and broader communities, inspiring better outcomes for all.