<?xml version="1.0" encoding="UTF-8"?><ns2:project xmlns:ns1="http://gtr.rcuk.ac.uk/gtr/api" xmlns:ns2="http://gtr.rcuk.ac.uk/gtr/api/project" xmlns:ns3="http://gtr.rcuk.ac.uk/gtr/api/fund" xmlns:ns4="http://gtr.rcuk.ac.uk/gtr/api/person" xmlns:ns5="http://gtr.rcuk.ac.uk/gtr/api/project/outcome" xmlns:ns6="http://gtr.rcuk.ac.uk/gtr/api/organisation" ns1:created="2026-06-03T15:52:43Z" ns1:href="http://gtr.ukri.org/gtr/api/projects/20FED22A-A6C8-4F19-B86E-0FFE36A629DB" ns1:id="20FED22A-A6C8-4F19-B86E-0FFE36A629DB"><ns1:links><ns1:link ns1:href="http://gtr.ukri.org/gtr/api/persons/27367C6A-80D6-4AE7-8F4C-F31FBD72CF13" ns1:rel="PM_PER"/><ns1:link ns1:href="http://gtr.ukri.org/gtr/api/organisations/9589470A-4AAB-43E1-BFED-8BE15C3E35D1" ns1:rel="LEAD_ORG"/><ns1:link ns1:href="http://gtr.ukri.org/gtr/api/organisations/9589470A-4AAB-43E1-BFED-8BE15C3E35D1" ns1:rel="PARTICIPANT_ORG"/><ns1:link ns1:end="2021-06-29T23:00:00Z" ns1:href="http://gtr.ukri.org/gtr/api/funds/E0B59476-DE2C-42B4-B31B-352963D4F13D" ns1:rel="FUND" ns1:start="2020-09-30T23:00:00Z"/></ns1:links><ns2:identifiers><ns2:identifier ns2:type="RCUK">81441</ns2:identifier></ns2:identifiers><ns2:title>Moneysmart: A Revolutionary Financial Wellness Platform Utilising Machine Learning that Could Save Customers On Average &amp;pound;250 per year and Generate a Year 5 Post-Project Revenue of &amp;pound;22.2M</ns2:title><ns2:status>Closed</ns2:status><ns2:grantCategory>Collaborative R&amp;D</ns2:grantCategory><ns2:leadFunder>Innovate UK</ns2:leadFunder><ns2:abstractText>Pay Dashboard Limited (PayDashboard) is a fintech SME that has developed a new product called Moneysmart, created by Laura Hughes, Luke Hopton, and Mike Binns. PayDashboard is solving a substantial unmet need that could save customers over &amp;pound;250 every year with the development of their Moneysmart platform. Moneysmart is an intelligent financial wellness platform that uses intelligent questioning, user profiling, and machine learning to match an individual's needs to Fintech products that meet their requirements, connecting genuine consumer leads and suppliers in a simple, easy-to-use portal.</ns2:abstractText></ns2:project>