Don’t wait for a regulatory audit, a media exposé, or a surge in complaints to find out your customer-facing AI is failing your users
With over half the UK population experiencing vulnerability, distress, or exclusion at any given time, Cammina provides the automated stress-testing environment to make sure you don’t leave anyone behind. We give you the objective data you need to ensure your AI is fair, compliant, and safe for all consumers.
Trusted to evaluate outcomes across regulated industries including Water, Energy, Telecoms, Financial Services, and Transport.
Why Cammina?
Regulators are increasingly demanding proof of fair outcomes for all customers, not just documented procedures.
Right now, most organisations cannot provide sufficient evidence that their AI and automated systems are treating all customers fairly, and that they have tested these systems against different customer profiles in real-world circumstances.
Automated debt escalation, digital affordability assessments, and critical customer communications are running through software engines that have never been validated against the people who depend on them most. Because these systems aren't stress-tested against real-world exclusion, vulnerability, or distress, critical failures go completely undetected by standard operational feedback loops.
Only 1 in 8
The number of customers experiencing distress or exclusion who will ever formally complain. The vast majority simply give up and drop out of the system entirely.
Source: FCA Consumer Duty Insights
6 - 12 X
The number of times automated harm or unfair exclusion occurs before an issue is ever flagged internally.
Source: Cammina Benchmark Data
0
The number of organisations we found who could demonstrate defensible outcome evidence without significant gaps.
Source: Cammina Assessment Index
£0.10 to £0.50
The cost per interaction of handling a customer via an automated digital portal.
Source: Ofwat
£5.00 - £8.00
Once an automated customer journey breaks down, the cost per call to fix it.
Source: Ofwat
£2 million
Savings associated with recovering just 1% of the average debt owed to a water company.
Source: Cammina Assessment Index
Time to ask yourself the tough questions
Do your systems work equitably for people with different needs and circumstances?
When automation fails, is there a clear and accessible path to help?
Can you clearly see where customers struggle, disengage, or are filtered out?
Why Now?
This is the critical moment. Across energy, water, financial services, and transport, regulators have pivoted from checking compliance boxes to demanding empirical evidence of fair outcomes. The organisations that build independent assurance into their AI programmes today will be the ones with a defensible record when enforcement arrives.
FCA · Consumer Duty
The mandate: Good outcomes for all customers, including those an AI model has never been tested against.
What this means: Organisations must actively evidence fair outcomes for vulnerable customers. Intent is not evidence.
DfT · Transport AI Action Plan
The mandate: Credible independent assurance over blind technical compliance.
What this means: Cammina has actively contributed to the DfT AI Action Plan. We know exactly what evidence and standard of proof regulators will expect.
Ofwat · Ofgem · PSR
The mandate: Priority Services Register and PR24 obligations are now actively enforced, not passively held.
What this means: Automated billing, debt recovery, and supply interruption systems must demonstrably protect consumers in vulnerable circumstances, not just cross-reference a static list.
How We Work
We don’t disrupt your development sprints, compromise data privacy, or demand months of complex integration. Cammina sits cleanly alongside your existing tech stack to independently pressure-test your systems against the reality and diversity of human circumstances.
Define the baseline
Setting the Parameters
We work with your compliance and product teams to map and analyse your automated customer journeys. We identify the exact operational intersections where automated logic, chatbots, or algorithmic decisions risk creating systemic exclusion or acute distress.
Stress-test with real-world scenarios
The Simulation Engine
We run your user pathways through thousands of synthetic user journeys. We don’t use generic testing scripts; we deploy highly targeted behavioural profiles modelled on the 52% of the UK population experiencing vulnerability, distress, or sudden life changes.
Pinpoint the risks
Outcome Mapping
Our platform evidences exactly how your AI-assisted and automated systems respond to customers who are facing complex barriers. We isolate the precise moments where your automation breaks down - where it misses vulnerability or distress signals, routes people to operational dead-ends, or fails to provide an accessible path forward or an equitable outcome.
Deliver defensible evidence
The Audit Trail
We provide your Board, risk committees, and regulators with independent, auditable proof of your system's real-world performance. You receive clear, objective data showing exactly where your AI is delivering safe, equitable outcomes, and a prioritised tactical roadmap to fix compliance gaps before they cause customer harm.
Our simulation engine’s underlying models are continuously co-developed and validated alongside leading UK research institutions
Our Academic Partners:
