Page 48 - 期貨和衍生品行業(yè)監(jiān)管動(dòng)態(tài)(2024年6月刊)
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期貨和衍生品行業(yè)監(jiān)管動(dòng)態(tài)
In an FCA first, the regulator built an experimental trading app platform to test
the effect of different DEPs on trading behaviour. It also found evidence that DEPs
can have a larger impact on some subgroups, including those with low financial
literacy, women and younger participants (18-34).
Under the FCA’s Consumer Duty, trading apps must ensure services are designed
and tested so they meet consumers' needs and enable them to make effective, timely
and properly informed investment decisions, including for those with characteristics
of vulnerability.
The FCA warned stock trading apps to review game-like design features in 2022
ahead of the Consumer Duty’s implementation.
Sheldon Mills, Executive Director of Consumers and Competition at the FCA,
said:
'Trading apps have the potential to transform retail investments, but some in-app
features might be pushing consumers towards more frequent or riskier trading, which
isn’t right for everyone.
'With usage and popularity of trading apps growing, we’ll be keeping them under
review to make sure customers can make investment decisions that suit their needs.'
The FCA continues to educate consumers about making better investment
decisions and understanding the opportunities and risks, through its InvestSmart
campaign. It has also brought charges against ‘finfluencers’ promoting financial
products on social media.
https://www.fca.org.uk/news/press-releases/fca-keeps-trading-apps-under-review-over
-gaming-concerns
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