The PayCaptain SmartSave: A nudge-theory-based AI-algorithm-driven app to unlock peoples' savings potential and generate financial resilience

英国正步入“养老金危机”，人们退休后的储蓄低于维持生活所需，而不需要政府的支持，新冠肺炎加速了这一问题。75%的英国成年人缺乏养老金储蓄目标，只有3%的人表示他们知道自己的目标退休金额。PayTower的解决方案SmartSave将人工智能算法和基于人类行为的UI/UX结合到一个简单直观的智能手机应用程序中，以帮助英国人摆脱债务，为紧急情况储蓄，并建立一个足够大的养老金罐，不需要政府援助。SmartSave将与HMRC批准的薪资引擎、FCA授权的电子货币平台、移动应用程序和第三方集成一起运行在PayTeam解决方案的核心。

The UK is walking into a "Pension Crisis" as people are saving below what they need to sustain a living in retirement without having to be supported by the government with COVID-19 accelerating the problem. 75% of UK adults lack a pension savings target and only 3% say that they know their target retirement pot. PayCaptain's solution SmartSave combines artificial intelligence algorithms and human behaviour-based UI/UX into one simple and intuitive smartphone App in order to help Brits get out of debt, save for an emergency, and build a pension pot large enough not to require government assistance. SmartSave will operate at the core of the PayCaptain Solution alongside an HMRC approved payroll engine, FCA authorised e-money platform, mobile apps and third-party integrations.