Mintago Dynamic Pension Dashboard

Mintago是一家成立于2019年的初创公司，是一家总部位于英国的中小企业，拥有一支创新、有远见的团队，位于人力资源科技和金融科技的交汇处，为员工提供财务福利解决方案，帮助员工过上更快乐、更健康的生活。目前，英国企业正感受到员工财务状况不佳带来的压力，由于员工压力、缺勤、生产力下降和员工留任率低，雇主每年损失152亿英镑。CIPD报告称，财务状况是人力资源战略中最不常见的方面，尽管有47%的英国员工对财务状况感到担忧。尽管大约一半的雇主制定了财务福利政策，但只有11%的雇主积极将其作为人力资源和福利的整体战略，尽管财务困境极大地影响了更广泛的员工福利和工作表现。2019年，固定缴款型职业养老金计划共有2240万名成员；然而，英国工人失去了160万份工作场所养老金的踪迹，到2020年，有194亿英镑的储蓄被放错地方或被遗忘（ABI）。为了解决这些问题，Mintago开发了一个新颖的财务福利平台，并附带了一个应用程序，通过雇主为英国中小企业员工提供定制的财务福利和养老金见解，“旅程”和简单的工具，以改善他们的财务状况和健康，提高员工和雇主的技能，最大限度地提高他们的财务福利。Mintago正在寻求贷款资金，以开发一个增强的养老金平台，通过API利用实时养老金数据，通过雇主为英国中小企业员工提供公正、相关的财务见解、易于使用的养老金定位器、整合/切换工具、行为“推动”和游戏化，通过一个易于访问的基于web的平台和应用程序来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.