A systematic account of new ventures, by trade and by territory; compiled by parallel sweeps of the public record in the local tongue and the common one.
Sixteen UK adviser-AI companies, each dismantled to its mechanism: what it actually does, where it matches and where it parts from the US benchmark, and the funding verified against the public record. Tap a name to open its dossier.
Who these sixteen are selling into — the shape of the UK advice market itself: how advisers reach it, where they cluster, and the barbell of firm sizes that splits the opportunity in two.
A single fact of regulatory architecture explains the shape of almost everything here. UK retail advice is legally gated by a prescriptive, per-recommendation suitability obligation under COBS 9, and since 2023 by the Consumer Duty's affirmative requirement to evidence good client outcomes across the entire book. The thing a British adviser cannot avoid producing is therefore not a tidy data record but a regulated document — the suitability report, the annual-review letter, the audit trail — and it is the most expensive, mandatory and endlessly recurring artifact in the business. That is the gravity well these firms formed around: nearly every one began by automating the suitability letter, and the field clusters there rather than dispersing across general productivity. The same architecture calls forth a second, distinctly British layer — firm-wide supervision, reading every interaction for conduct and Consumer-Duty risk in place of the traditional three-percent file-check — sold to the compliance officer as much as the adviser.
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