<?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="2026-07-08T08:44:08Z" ns1:href="http://gtr.ukri.org/gtr/api/projects/4D16D3E3-1A98-43D8-9E26-8203ECB18F10" ns1:id="4D16D3E3-1A98-43D8-9E26-8203ECB18F10"><ns1:links><ns1:link ns1:href="http://gtr.ukri.org/gtr/api/persons/D99E7ADA-7BC5-4AFA-A8FD-5CF518692B27" ns1:rel="PM_PER"/><ns1:link ns1:href="http://gtr.ukri.org/gtr/api/organisations/472E6A96-D255-496C-8366-5694E8343FEC" ns1:rel="LEAD_ORG"/><ns1:link ns1:href="http://gtr.ukri.org/gtr/api/organisations/472E6A96-D255-496C-8366-5694E8343FEC" ns1:rel="PARTICIPANT_ORG"/><ns1:link ns1:end="2017-02-28T00:00:00Z" ns1:href="http://gtr.ukri.org/gtr/api/funds/DDE4AEA0-8025-4E30-963F-44FF6FBA6A10" ns1:rel="FUND" ns1:start="2015-07-31T23:00:00Z"/></ns1:links><ns2:identifiers><ns2:identifier ns2:type="RCUK">230008</ns2:identifier></ns2:identifiers><ns2:title>Big Spender? Big Swaver.</ns2:title><ns2:status>Closed</ns2:status><ns2:grantCategory>Procurement</ns2:grantCategory><ns2:leadFunder>Innovate UK</ns2:leadFunder><ns2:abstractText>The Swave app delivers personalised savings ideas direct to customers phones. In a single swipe the customer saves money towards a financial goal by swiping money into their savings account. The concept does not rely on budgets, categorising spending or time consuming effort by the user. Ideas are quick, actionable and personal. The result is motivated savers who learn to save little and often towards life-changing financial dreams.</ns2:abstractText></ns2:project>