10022723HealthMoni: State-of-the-Art software platform with embedded finance and user tools for Personal Budget Direct PaymentsClosedCollaborative R&DInnovate UKHealthMoni will deliver an embedded finance platform with innovative user tools for Personal Budget Direct Payments, meeting the needs of Local Authorities, carers, and end users. Unlike the existing processes, HealthMoni will take an evidence-based approach for the development of its platform. This project will deliver a single Direct Payment management platform superseding the existing siloed processes, producing new protocols through rigorous research. By moving away from paper-based or traditional digital record-keeping, these innovations will reduce the administrative burden on users, carers, and Local Authorities, unlocking the benefits of Direct Payments for all stakeholders.