For Local Authority Client Finance Teams

The oversight platform your clients deserve

Fairer Charging gives client finance teams continuous, AI-driven visibility across every managed account — without changing your systems, your banking arrangements, or your workflows.

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Designed for

Client Finance Managers
Deputyship & Appointeeship Teams
Court of Protection Officers
Adult Social Care Leadership

The Challenge

Your team is managing hundreds of accounts with tools built for a different era

Local Authorities carry a growing statutory responsibility for the financial wellbeing of some of the most vulnerable people in the country. The caseload is rising. The compliance expectations are tightening. The tools haven't kept up.


Fairer Charging was built specifically to address that gap — for client finance teams, by people who understand how Local Authorities work.

Manual review can't cover everyone

With hundreds of accounts, periodic case-by-case review means systemic problems go undetected. Anomalies that would be caught immediately by automated monitoring can persist for months.

Court of Protection reporting takes weeks

Producing OPG102 annual reports manually is one of the most time-consuming compliance tasks your team faces. Data sits in multiple systems. Reconciliation is slow, error-prone, and stressful.

Clients are overpaying for essential services

Without systematic monitoring, vulnerable clients can remain on poor energy tariffs for years. The financial harm is real — and largely invisible to even the most diligent team.

No single view across all accounts

Your data sits across case management systems, banking platforms and spreadsheets. There is no single, reliable picture of the financial health of your entire client population.

How It Works

Up and running without disrupting a thing

Fairer Charging sits alongside the systems you already use. There is no migration, no new banking relationship, and no upheaval to your existing processes. We add the analytical layer your team is missing.

01

We connect to your existing data

In the initial phase, Fairer Charging ingests account data via standard CSV export from whatever finance or banking system your team already uses — Liquidlogic, ContrOCC, Monika, or a high-street bank. No system migration. No IT project.

No disruption to existing systems
02

AI monitors every account, continuously

Our platform runs continuous analysis across your entire client population — not just the ones flagged for review. It identifies anomalies, unusual spending patterns, excessive charges, and tariff inefficiencies automatically.

Full-population monitoring
03

Alerts surface to your case officers in plain English

Every alert is presented in plain, human-readable language with a clear recommended action. The AI surfaces findings — your team makes the decisions. We are decision-support, not decision-maker.

Human oversight always in control
04

Compliance reports are generated automatically

OPG102 annual account reporting is produced directly from the integrated financial data. What currently takes weeks of manual reconciliation is reduced to hours — accurate, structured, and audit-ready.

Court of Protection compliant
05

Essential services are optimised for every client

The platform systematically identifies clients on inefficient energy tariffs and flags them for action. Phase 1 covers energy. Phase 2 extends to mobile, broadband, insurance, and TV licensing — generating measurable financial benefit for clients who cannot advocate for themselves.

Average £136 energy saving per client

Platform Capabilities

Everything your team needs. Nothing you don't.

Six core capabilities, built around the real workflow of a client finance team — not a generic fintech product adapted for the public sector.

Full-Population Monitoring

Continuous, automated oversight of every account in your caseload — not just those selected for periodic review. Nothing is missed because no one had time to look.

Anomaly Detection

Automatic identification of unusual spending, excessive charges, unexplained transactions, and inconsistent patterns — surfaced to case officers immediately for review.

Court of Protection Reporting

AI-generated OPG102 annual account output produced directly from integrated data. Structured, auditable, and accurate — without the weeks of manual preparation.

Essential Services Optimisation

Systematic identification of clients on above-market energy tariffs. Average saving of £136 per client per year, generated automatically from the monitoring data.

Cross-Client Benchmarking

Systematic comparison of charges and spending patterns across comparable client profiles — identifying inconsistencies that no individual case review process could realistically catch.

Case Officer Dashboard

A clear, plain-English interface designed for non-technical users. Every alert includes an explanation and a recommended action. No jargon. No data science required.

Compliance & Safeguarding

Built around your statutory obligations

Fairer Charging is designed from the ground up to support the compliance obligations of Local Authority client finance teams — not to add to them.

OPG & Court of Protection

Automated OPG102 annual account production aligned to Court of Protection requirements. Audit-ready outputs that support your team's statutory reporting duties.

Care Act 2014 alignment

The platform supports your duty to promote the financial wellbeing of clients in your care — providing the systematic oversight that manual processes cannot reliably deliver at scale.

Data protection by design

System-agnostic architecture with no unnecessary data sharing between platforms. DPIA-ready design. Your client data stays within the boundaries you define.

AI as decision-support

Every AI-generated alert requires human review and sign-off. The platform surfaces information — your officers make the decisions. Guardrails are built in, not bolted on.

Audit trail throughout

Every alert, review, and action is logged. Your team has a complete, auditable record of oversight activity across the entire client population — invaluable for inspection or challenge.

No banking disruption

Fairer Charging reads and analyses financial data. It does not move money, change account structures, or require any change to your clients' existing banking arrangements.

System Integration

Works with the systems you already use

There is no IT project. No system migration. No requirement to change your banking provider. Fairer Charging is designed to sit alongside your existing infrastructure and add the analytical layer that's currently missing.

✓

No migration away from your existing case management or finance systems

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No changes to client banking arrangements or account structures

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No complex data sharing agreements — CSV export in the initial phase keeps things straightforward

✓

Banking-agnostic — works whether your clients are banked with a challenger bank or a high-street provider

✓

API integration available in later phases for real-time data without manual exports

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If you are unsure whether your setup is compatible, speak to us — we will give you a straight answer

The Difference It Makes

Measurable benefit for clients and teams

Every account on the Fairer Charging platform benefits financially. Every team using it operates with better visibility, lower compliance risk, and less administrative burden.

£136

Average energy saving per client

Generated through systematic tariff monitoring and optimisation. Real money returned to vulnerable people who cannot advocate for themselves.

£122

Administrative saving per client

Annual efficiency gain from automated monitoring, anomaly detection, and Court of Protection reporting — per account on the platform.

£258

Combined public value per client

Total measurable benefit per client, per year. The cost of oversight is offset by the savings it creates — the platform is self-funding at scale.

"Protecting the financial interests of vulnerable adults — and proving that better oversight pays for itself."

The Fairer Charging Mission

About Us

Built by people who understand the problem

Fairer Charging was founded on a straightforward belief: that the most vulnerable people in our care system deserve the same quality of financial oversight that anyone else would take for granted. The gap between that standard and current reality is not a failure of intent — it is a failure of tools. We are here to close it.


We are working directly with Local Authority client finance teams to make sure the platform reflects how your teams actually operate — not how a technology company imagines you do.

Vision & Social Mission

A future where every vulnerable adult has their finances properly protected

Over 61,000 adults across England and Wales have their finances managed by a third party under statutory oversight. Many are on poor energy tariffs, subject to unexplained charges, or simply invisible to the systems meant to protect them.

Fairer Charging exists to change that — systematically, at scale, and in a way that generates measurable public value from day one. The cost of better oversight is offset by the financial benefit it creates for the very people it protects.

Protecting the financial interests of vulnerable adults — and proving that better oversight pays for itself.

Meet the Team

Christopher Etchells

Christopher Etchells

Co-Founder

Over 30 years running a care provider and charity for vulnerable people — Chris has lived the problem Fairer Charging solves. He founded KMS Solutions and developed KIT (a world-first wearable mobile, launched at CES Las Vegas), the MyTrav platform (Public Sector Dynamite Award, deployed with Newcastle City Council), and bCon, a Privacy by Design health data platform. He brings unmatched operational depth in the UK care landscape alongside a proven track record of taking technology from concept to live public sector deployment.

John Hearns

John Hearns

Co-Founder

Extensive C-suite experience across multi-national PLCs in the UK and Ireland. As MD of KMS Solutions, John led the technical development and commercial deployment of the full KMS product range, co-ordinated private fundraising, and managed the sales process into Local Authority environments. He has advised within the EIT Health Europe innovation network, worked with Technology Transfer Offices and European innovation bodies, and built commercial pathways for technology and healthcare innovations across multiple markets. He brings the investor relations, commercial architecture, and public sector deployment experience to take Fairer Charging from pilot to national scale.

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Chief Technology Officer

To Be Confirmed

We are currently finalising our technical leadership. If you are interested in this role or would like to know more, please get in touch.

Get in Touch

Start a conversation

We are currently working with a small number of Local Authorities in the pre-pilot phase. If you manage a client finance team and want to understand whether Fairer Charging could help, we would welcome the conversation.

There is no sales pitch. We are genuinely looking to understand the challenges your team faces and whether the platform is the right fit.


England & Wales

Thank you — a member of the team will be in touch within two working days.