Mintago Dynamic Pension Dashboard

Mintago成立于2019年，是一家总部位于英国的中小企业，拥有一支创新，富有远见的团队，他们坐在人力资源技术和金融科技的交叉点上，为员工提供财务健康解决方案，帮助员工过上更幸福，更健康的生活。目前，英国组织正感受到员工财务健康状况不佳的压力，雇主每年因员工压力而损失152亿英镑，缺勤、生产力下降和员工保留率低。CIPD报告称，财务健康是人力资源战略中最不常见的领域，尽管金钱担忧影响了47%的英国员工。尽管约有一半的雇主制定了财务福利政策，但只有11%的雇主将其作为整体人力资源和福利战略，尽管财务困境极大地影响了更广泛的员工福利和工作场所表现。然而，英国工人失去了160万英镑的工作场所养老金，2020年有194亿英镑的储蓄被错放/遗忘（ABI）。为了解决这些问题，Mintago开发了一个新颖的金融福利平台，并附带了一个应用程序，为英国中小企业员工，通过他们的雇主，与定制的财务健康和养老金的见解，“锦囊”，和简单的工具，以改善他们的财务状况和健康，提高技能的员工和雇主一样，以最大限度地提高他们的财务福祉。明达哥正在寻求贷款资金的发展增强养老金平台，利用实时养老金数据通过API的，以提供英国中小企业员工，通过他们的雇主，通过一个易于访问的基于网络的平台和应用程序，获得公正、相关的财务见解、简单易用的养老金定位器、合并/转换工具以及行为“助推”和游戏化，以提高他们的知识和财务状况。

Established as a start-up company in 2019, Mintago is a UK-based SME with an innovative, visionary team who sit at the intersection of HR tech and Fintech to provide employee financial wellbeing solutions that help employees lead financially happier and healthier lives.Currently, UK organisations are feeling the strain from poor employee financial wellbeing, with employers losing £15.2 billion each year resulting from worker stress, absenteeism, reduced productivity, and low staff-retention. CIPD reports that financial wellbeing is the least common area included in HR strategies, despite money worries affecting 47% of UK employees. Although around half of employers having a financial wellbeing policy in place, only 11% of employers actively focus on it as an overall HR and wellbeing strategy, despite financial distress greatly impacting wider employee wellbeing and workplace performance.In 2019 there were 22.4 million members of defined contribution occupational pension schemes; however, UK workers lost track of c.1.6 million workplace pensions, with £19.4 billion misplaced/forgotten savings in 2020 (ABI).To address these issues, Mintago have developed a novel financial wellbeing platform with an accompanying app to provide UK SME employees, via their employer, with bespoke financial wellbeing and pension insights, 'Journeys', and simple tools to improve their financial position and health, up-skilling employees and employers alike to maximise their financial wellbeing.Mintago are seeking loan funding for the development of an enhanced pensions platform, utilising live pensions data through API's to provide UK SME employees, via their employer, with access to unbiased, relevant financial insights, simple to use pension locator, consolidation/switching tools, and behavioural 'nudging' and gamification to improve their knowledge and financial standing through an easily accessible web-based platform and app.