Level Fintech: Building back Better Financial Wellbeing for UK workers via payroll linked savings and bespoke budgeting

_我们中有2000多万人管理不了自己的钱。1,150万人的储蓄不足100 GB，其中近900万人负债累累。这是英国货币与养老金服务机构(MAP)在新冠肺炎之前对英国财务福祉的评估。鉴于失业/休假人数的增加，疫情加剧了这些社会问题。此外，随着中国试图重返工作岗位，新冠肺炎带来了巨大的预算挑战。员工可能会休假，带薪假期结束，员工将承担重返工作岗位的所有相关成本(差旅成本等)。我们的项目(Level)将为雇主创造一个创新的财务福利平台，帮助他们的员工处理这些问题。这将通过与工资挂钩的储蓄产品来实现，该产品由开放银行推动的行为“推动”来增强。

_Over 20 million of us can't manage our money. 11.5 million have less than £100 in savings, and nearly nine million of us are in serious debt_'.This was the assessment of the Money and Pensions Service (MaPS) on the UK's Financial Wellbeing prior to Covid-19\. The pandemic has served to amplify these societal issues given the increase in unemployment/furloughed workers.Moreover, Covid-19 presents a significant budgeting challenge as the country tries to get back to work. Workers may come off furlough, payment holidays end and workers incur all the associated costs of being back in the workplace (travel costs etc.) will be re-incurred.Our project (Level) will create an innovative financial wellbeing platform for employers to help their staff deal with these issues. This will be done via payroll-linked savings product enhanced by Open Banking powered behavioural 'nudges'.