A financial wellness employee benefit for everyone, everywhere

By integrating financial education into our strategy, we have been able to target and personalize the communication of our benefits to really impact how our people engage with them. nudge has been a significant success at AB InBev. Not only is it an attractive benefit in its own right, it also completes our wellness offer and helps us communicate our other benefits. - Rose Kelly, UK Payroll Manager

Individually focused, personalized, relevant and not promoting 3rd party financial products. - Matt Wayne, HR Director

Supporting the financial wellbeing of our people is more important than ever. The combination of timely personalized nudges, educational content and money management tools provided by nudge is helping our people to take more control of their personal financial situations. I would definitely recommend a focus on finances right now for any employer that is looking at how they can support their people at this time. - Aileen Newall, Head of Reward

nudge allows us to tailor the education each individual employee receives, according to their age, salary, interests and their dreams and goals. It’s really important to us that we give our people the nudge they need to make better financial decisions.

We are keen to set ourselves apart in the legal sector. Providing our employees with the tools to assist them to achieve the right level of work-life balance and wellbeing creates an enjoyable place to do business and the overwhelming feedback from our clients is that they prefer working with happy, motivated employees. It’s critical for us that anything new we add to our reward package is joined up with what is already in place, so financial education from nudge is a great addition because it provides a wrapper to help promote what we already offer - Sarah Young, Head of HR

nudge has been a real success at Clifford Chance. We particularly like that it is inclusive and can be easily adapted and targeted. From our trainees just starting their careers to our senior lawyers and business services people, there is something for everyone.

“We are proud to deliver bespoke training to lawyers and future leaders from the world’s least developed countries, as part of DLA Piper’s Global Scholarship Programme. Partnering with nudge to support the individuals and their families with financial education specific to the UK not only enhanced the relocation process, which can be quite daunting, but also the wider employee experience as we welcome them to DLA Piper.” Louise Parker, HR Benefit Manager, DLA Piper

Great and super easy to work with nudge, great financial wellbeing and education platform. - Jennifer Jungwirth, Sr Total Rewards Analyst

When selecting our financial education provider, we wanted a solution that integrated seamlessly with our benefits platform via single sign-on, making it simple for our people to access when and where they needed it. It was also essential that the education covered the whole spectrum of money management and was a trusted source, free of product and provider bias. nudge is a great addition to our wellbeing benefits - fantastic feedback from employees who have been onto the platform. The Mental Wealth First Aider initiative has been very warmly received by our employees. Also great to see the global offering continuing to develop. - Alison Hanlan, Global Head of Reward & Resourcing

Financial education is one of the fastest-growing employee benefits within the UK and one of the most important to get right. The challenge is not just getting the right level of information to people but also to get it to them at the time they actually need it. We feel that nudge provides the best and most interactive and efficient tool available to engage our workforce and to provide good, unbiased information, that is tailored to individual needs and available to them 24/7.

We’re delighted with the high levels of engagement that we’ve seen with nudge and the way that the personalized experience enables us to communicate effectively with employees regardless of age, wealth or lifestyle. The core mission of our business is to improve the information that consumers have about their own finances, so it’s vital that we practice what we preach when it comes to our own people. We want to offer a globally consistent approach, giving them the support they need to make managing their money simpler.

Launching nudge during the global pandemic has been vital for Hastings Direct to continue supporting our people. When it comes to our finances, money affects us all and is very personal. We all have different interests and needs - that are ever-changing, especially at this time. nudge perfectly complements our wider wellbeing strategy whilst providing our colleagues with an easy to use platform which gives expertise on all matters financial. Whether it's help on budgeting or information on buying a house, they have something written down in a way that the reader understands. - Mark Winterflood, Wellbeing Manager

Today's masterclass has been a resounding success. Each of the 5 sessions were well attended – I would estimate we had 80-90 participants in total! Nathan was excellent – he really engaged the whole room and there was lots of interaction. He also successfully flexed the content to ensure maximum time was spent on the topics of most relevance to each group.

The service is constantly evolving and improving. I find the pre-prepared templates/content extremely helpful, as are the videos. The team at nudge is professional, approachable and really strive to make a difference. We wanted to introduce a workplace loan and savings service to provide a means of support to our employees and their households. However, we also wanted to ensure that before applying our employees had explored and understood all their options and, as an organization, we had good governance in place. The workplace loan story nudge developed for us delivered on both fronts and we’re delighted with the way it supported our employees’ decision-making and the feedback we’ve received. - Sarah Mismar, Employee Pensions & Benefits Manager

From the very first meeting with the team at nudge, we were impressed with their passion and approach to financial wellbeing. We were naturally a little apprehensive at that prospect of our project being as smooth as was being discussed, yet I can honestly say our expectations were matched, and actually surpassed, in a thoroughly impressive manner. nudge will become the centerpiece of our financial wellbeing offering and we couldn’t be happier. Keith Baker, Payroll & Benefits Manager

We have a global vision to create a culture that supports the financial, emotional and physical wellness of our people. nudge is the missing piece of the jigsaw. It links everything we give our employees together and empowers them to take control (with a few ‘nudges’ along the way!). Unum loves partnering with nudge in both the UK and Ireland. They provide direct tools and resources for our employees to ponder in their financial and wellbeing lives. - Carl Gagnon, AVP Global Financial Wellbeing

At Visa, we’re proud to offer a range of amazing benefits that are tailored to our employees’ unique circumstances. We’re always looking for new and innovative ways to make sure that they’re continuously aware and making the most of what’s on offer. And hopefully save some money along the way. Working with nudge to deliver personalized, timely and relevant communications has made a real impact on engagement with our bonus waiver scheme and we’re thrilled with the outcome. - Paul Tremelling, Senior Reward Manager

The take-up of benefits and the interests of people don’t necessarily always correlate to their age, job grade or gender. Therefore, it's essential that a financial education solution is personalized to the needs of each individual, whilst communicating relevant benefits in a way that help them come to life. We really want to make sure our employees take advantage of all the opportunities offered to them at BNP Paribas. Using nudges gives us the means to issue targeted communications in key moments to different groups and individuals. We always see an impact from the nudges we issue and continue to explore ways to maximize the power of personalized communication. -Sian Gandhi Pensions & Benefits Specialist

The financial wellbeing platform that nudge provide has been really well received within our organization. The nudges are relevant and timely and it’s great that we can personalize them to highlight our company benefits. The nudge team is great, always friendly and really helpful – nothing is too much trouble! The nudgenomics they produce are really interesting and give an insightful look at our employees and their financial interests. I would recommend nudge to any prospective client, they are a pleasure to work with and provide a great service! - Caroline Parry, UK Compensation and Benefits Specialist

Financial education for employees is growing in popularity as it improves financial wellbeing and helps take the stress out of managing money. It can also improve physical and psychological wellbeing. We wanted to launch a service designed to appeal to all employees regardless of age, wealth or lifestyle – eg, a school leaver understanding their first credit card, or a retiree planning inheritance for their family.

Nearly 40% of our people have worked for us for 15 years or more, and it’s important that we continue to innovate our employee benefits strategy to stay at the forefront of the market in how we support our people to improve their wellbeing.

When assessing the market for financial education providers, nudge stood out as offering the only service that was truly independent, with no products to sell, as well as utilizing a personalized method of delivery. It remains a great product with a key advantage of being neutral in terms of product recommendations. - Chris Coyne, Head of Performance and Reward

We introduced MyMoney to help employees better understand and make more of their hard earned money. There are two ways this helps our people: Firstly, event driven ‘nudges’ in line with changes such as home moves, changes in pay or legislation changes. Secondly, an independent and confidential website where employees have a trusted source of information. A large proportion of our people don’t work from a desk so it is essential we are able to support them on their terms – where and when they want. Knowing we will ‘nudge’ them when there is something they need to know about, they have the peace of mind they’re not going to miss anything. - Andrew Chisholm, European Retirement Director

Thousands of people work at Virgin Atlantic and Virgin holidays so we needed a platform which could after personalized education covering a wide range of topics and needs. nudge can be accessed from anywhere in the world and offers our people helpful tools to make managing their money and financial wellness easier - all at the touch of a button.

Financial wellbeing is an important factor in overall wellbeing. Offering personalized financial education will help our people to make sound financial decisions and encourage all important behaviors such as long-term saving. Communicating this information via email, WhatsApp or text means that we can engage with our people more simply, quickly and effectively than ever before. When choosing a financial wellness provider, our key selection criteria was selecting a service that supports our people whenever and wherever they needed it, and one that was free from any product push or bias.

We completed an extensive review of our reward programme and a key part was asking people what they want, need and value. 44% said that ‘financial benefits’ were their priority with ‘Financial Education’ the 4th most popular benefit from a list of 20. A large proportion of our people are aged 20 and 30 so we need a solution that supports this audience in terms of both content and delivery. Being available via smartphones and supporting the popular gen-y topics of student debt, saving for holiday and getting on the housing ladder, as well as more traditional topics such as pensions, was therefore imperative. nudge ticks all the boxes for us. - Toria McCahill, UK Head of Reward

William Hill and nudge have collaborated on some fab work over the past 2 years and would happily recommend colleagues or friends to partner with them. We really wanted to get the message across to our employees that the share-save scheme offers a very simple, hassle-free way to save for their medium-term financial goals. We were delighted with the highly personalized and creative way nudge supported us achieve this and are even more delighted with the results! - Carole Daley, Reward and Benefits Manager

Great product and love that there's no hidden upsell. Information provided is completely impartial. - Sarah Bradbury, Benefits Program Manager

nudge is a popular tool amongst those that use it and it’s something that is a clear added benefit of being part of Saint-Gobain. The independent nature of nudge, i.e. no commission etc. taken for recommending 3rd parties, also means we can be assured people aren’t being miss-sold services and this is very appealing when it comes to our corporate social responsibilities. We know we can better use nudge to reach a wider audience and are looking forward to working with them on this over the coming years.