10032784The PayCaptain SmartSave: A nudge-theory-based AI-algorithm-driven app to unlock peoples' savings potential and generate financial resilienceClosedCollaborative R&DInnovate UKThe UK is walking into a "Pension Crisis" as people are saving below what they need to sustain a living in retirement without having to be supported by the government with COVID-19 accelerating the problem. 75% of UK adults lack a pension savings target and only 3% say that they know their target retirement pot. PayCaptain's solution SmartSave combines artificial intelligence algorithms and human behaviour-based UI/UX into one simple and intuitive smartphone App in order to help Brits get out of debt, save for an emergency, and build a pension pot large enough not to require government assistance. SmartSave will operate at the core of the PayCaptain Solution alongside an HMRC approved payroll engine, FCA authorised e-money platform, mobile apps and third-party integrations.