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Financial Services Downtime Cost Calculator
Financial services firms — advisory practices, brokerages, lenders, insurance agencies — operate where downtime meets obligation. Client transactions are time-sensitive: a trade, a rate lock, or a funding deadline missed during an outage is not just lost productivity, it can be a direct client loss and, in some cases, a compliance event that must be documented and reported.
The sector also carries the highest trust sensitivity of any SMB category. Clients who tolerate a slow response from a retailer will move accounts over reliability doubts at their financial firm. Regulatory expectations around business continuity are explicit, and examiners increasingly ask for evidence of continuity planning, not just intentions. This calculator applies a 1.5 revenue multiplier for financial services — the highest in the model — to reflect time-critical transactions and elevated client attrition risk.
As everywhere on this site, the estimate is conservative: it models idled labor plus revenue at risk, using published benchmarks with the full formula on the methodology page. It does not attempt to price regulatory penalties or client attrition — treat those as additional exposure above the number you see.
Financial Services downtime — common questions
Why does financial services carry the highest multiplier (1.5)?
Because transactions are time-critical and trust-sensitive. A missed trade or funding deadline can be an unrecoverable loss, and reliability doubts drive client attrition faster than in other industries. The 1.5 multiplier reflects that elevated exposure.
Does the estimate include regulatory penalties or compliance costs?
No. The calculator models operational downtime — idled staff and interrupted revenue. Regulatory findings, remediation, and reporting obligations are excluded and would add to the total. Firms with explicit continuity requirements should treat this as a minimum figure.
We're a small advisory firm, not a bank. Is this still relevant?
Yes — the model is built for small and mid-size firms, not enterprises. Even a two-advisor practice depends on portfolio systems, email, and document access to serve clients; the calculator scales to your headcount and revenue.
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