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Our analysis

What we found in the FCA data

The Resolution Gap

Over half of complaints take longer than three days to resolve — and the rate is getting worse, not better. We break down why automation gains have plateaued since 2022.

Resolution speed

The Compound Cost of Slow & Wrong

54.7% slow. 57.9% upheld. When you layer resolution speed against accuracy, the implied redress cost is £75k per 1,000 complaints—before handling costs.

COST analysis

Two Models, Neither Optimal

The firm-level data reveals two distinct approaches to complaint handling in UK banking: fast but expensive, or accurate but slow. We show why neither closes the gap.

Firm-level data

The Benchmarking Gap

Within the same sub-sector, the spread between top and bottom quartile on resolution speed is over 30 percentage points. The gap is a process problem, not a complexity problem.

Benchmarking

Analysis

What the data reveals

The Resolution Gap

Over half of complaints take longer than three days to resolve — and the rate is getting worse, not better. We break down why automation gains have plateaued since 2022.

Compound Cost of Slow & Wrong

54.7% slow. 57.9% upheld. When you layer resolution speed against accuracy, the implied redress cost is £75k per 1,000 complaints—before handling costs.

Two Models, Neither Optimal

The firm-level data reveals two distinct approaches to complaint handling in UK banking: fast but expensive, or accurate but slow. We show why neither closes the gap.

The Benchmarking Gap

Within the same sub-sector, the spread between top and bottom quartile on resolution speed is over 30 percentage points. The gap is a process problem, not a complexity problem.

Turn your customer Inbox into resolved processes

Trusted AI workers that gather evidence, apply policy, and execute audited actions — moving complaints, documents, and tickets from intake to done

Copyright ©2026, Noxus. All rights reserved.

Turn your customer Inbox into resolved processes

Trusted AI workers that gather evidence, apply policy, and execute audited actions — moving complaints, documents, and tickets from intake to done

Copyright ©2026, Noxus. All rights reserved.

Turn your customer Inbox into resolved processes

Trusted AI workers that gather evidence, apply policy, and execute audited actions — moving complaints, documents, and tickets from intake to done

Copyright ©2026, Noxus. All rights reserved.