Financially eMpower Your Employees With Their Own Pocket Expert

37%

of employees admit that financial stress affects their ability to do their job

81%

of those employees say they wouldn’t speak to their colleagues or Managers about it

eM can be accessed 24/7, from any device, any time, providing your employees with private, confidential support wherever and whenever they need it

Providing your employees with their own pocket financial coach creates a culture of support and reduces money worries and anxiety

eMpowering people to take action and make informed choices

eM is an AI powered virtual money coach accessed online, 247, from any device. It’s been created to fill the advice gap the UK currently has and provide people with a personal pocket expert.

These are just a handful of the ways eM can make a difference:

  • Draft emails and letters for people to send to their creditors if they need to negotiate a payment plan or are experiencing financial difficulties

  • Help to create repayment strategies for people with multiple credit, quickly guiding an individual through their options

  • Jargon bust any financial term or document. With an ‘upload function’ arriving early 2025, users can upload letters and documents for quick and easy summaries

  • Help to create pension plans and guide an individual through the process of working out ‘how much’ should be in their pension pot

  • Hand hold an individual through the property buying process, giving guidance at each stage with information provided in a tailored manner based on the users inputs and preferences

eM: Our Technology, Your Pocket Expert

Provide your employees with personalised financial guidance at their fingertips. Wherever, whenever and however they want it

PromptGuard

Shields users by evaluating inputs and outputs against strict safeguarding policies, financial regulations, and ethical codes, ensuring every interaction is secure and compliant.

Personalised Responses

eM tailors responses based on user preferences, delivering information in digestible formats like bullet points or detailed paragraphs for a personalised experience.

Creditor Liaison Tool

Drafts clear, impactful letters and emails for users to send to creditors, aligning with FCA Consumer Duty and Treating Customers Fairly (TCF) principles to ensure effective and compliant communication.

eM in action

Supporting 100% of your employees has never been easier

Provide all of your employees with personalised financial guidance at their fingertips. Wherever, whenever and however they want it.
Our Technology, Your Pocket Expert.
Discover even more of what eM has to offer:

  • Employees can get financial guidance anytime, anywhere, fitting seamlessly into their schedules.

  • Tailored support based on each employee’s financial situation and goals.

  • Users can engage in conversation with eM to receive simple guidance and support for any financial topic

  • eM can pick up where she left off with the conversation, even if there are large gaps between responses

  • Reduced financial stress means employees can focus on their work.
    Companies using eM have reported a 15% productivity increase within the first six months.

  • Employees feel supported and valued, leading to higher satisfaction and morale. Financial confidence boosts employee loyalty and reduces turnover.

  • Lower absenteeism and reduced recruitment costs deliver a clear return on investment.
    On average, businesses have seen £450 per month saving on productivity per user

  • Offering innovative benefits like eM positions your company as a leader in employee wellbeing.
    Attract top talent by showcasing your commitment to holistic support.

  • All data is encrypted both in transit and at rest, ensuring secure communication and storage.

  • eM is fully compliant with UK GDPR regulations, with clear policies on data collection, usage, and storage.

  • Role-based access ensures that only authorised personnel can handle sensitive information.

  • We conduct regular security audits and penetration tests to identify and address vulnerabilities.Item description

  • Every input received and response generated by eM’s AI plug-ins is reviewed and filtered through PromptGuard, our safeguarding tool, to ensure accuracy and appropriateness before delivery to the user.

  • Proprietary algorithms cross-check outputs against established financial education standards, ensuring no lines are crossed between guidance and advice.

  • eM is designed as an educational tool, not a licensed financial adviser. Clear disclaimers accompany all guidance provided to users.

User FAQs

    • Only you can see your personal data. All interactions with eM are strictly private and confidential.

    • eM does not share your specific queries, advice, or personal details with your employer or any third parties.

    • Access to your data is protected through secure logins, meaning no one else can view your personal information.

  • eM uses industry-leading security practices to protect your data:

    • Encryption: Your data is encrypted both at rest (when stored) and in transit (when being sent or received).

    Compliance: eM complies with strict privacy standards, including GDPR (General Data Protection Regulation).

    Access Control: Your account is secured with multi-factor authentication, ensuring that only you can access your information.

    • eM uses your data solely to provide tailored financial education and coaching.

    • Your data is never sold, shared, or used for marketing purposes.

    • Yes, you have full control over your data. You can request to delete your data at any time through your account settings or by contacting our support team.

    • Once deleted, your data is permanently removed from our servers.

    • eM undergoes regular security audits to maintain the highest standards of data protection.

    • All interactions are monitored for suspicious activity to ensure a safe user experience.

    • Conversations with eM are fully encrypted and stored securely.

    • AI responses are generated in real time and not stored permanently beyond the session unless you choose to save or download them.