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Ethics & accountability · Balancing user vs business interest

A customer in visible financial distress qualifies, on paper, for a high-interest product that would earn the bank strong margins but likely deepen their debt spiral. The sale is compliant and approved. Do you make it, and how do you decide?

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Compliant isn't the same as right, and for a customer in distress the duty of care means I don't sell debt that makes their situation worse just because the box ticks green.

The full answer: structure, worked example, likely follow-up.

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