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The UK fintech industry is launching a campaign to improve the financial lives of 10 million people by 2025. We call this the "2025 Fintech Pledge".

Get in touch with the team today to join the pledge.

Gradient Pledge 2025 logo

Building up the UK’s financial resilience

Rising inflation and the subsequent price surges in everything from energy bills, petrol prices and grocery costs have exacerbated the squeeze on household finances, some of which were already under strain in the wake of the Covid-19 pandemic. Britons up and down the country are increasingly worried about the impact of this financial shock on their lives.

The financial technology industry has been built on the principle of driving positive change for customers and so we must act now.

The "2025 Fintech Pledge" brings together the fintech industry and its strategic partners to help UK consumers build up their financial resilience and better protect against the rising cost of living.

The plan: driving 10 million positive actions

We want to improve the financial lives of 10 million people by 2025. We will measure this through the number of actions consumers take that are proven to positively build financial resilience.

At an average of one action per person, 10 million actions represent 20% of the UK adult population taking a positive step towards better managing a financial shock.

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Target: 10 million actions

Action

Outcome

1. Move your savings from low to high interest-yielding accounts and set up saving pots to better control and manage your finances

Build more savings by maximising the interest you earn on your money and by adopting new saving behaviours

2. Sign up to a credit building tool to better understand your credit score

Strengthen your financial position to access more and better value financial products

3. Use a debt consolidation tool to understand how much you could save each month by consolidating

Manage your debt more sustainably while reducing your financial obligations

4. Search for lower priced utility deals on a digital marketplace

Save money on one or more monthly payments

What does joining the pledge mean?

The 5 principles of the pledge

1
Adherence

This is a voluntary pledge; all parties are equal and adhere to the principles for as long as they are signatories.

2
Contribution

Signatory parties commit to directly contributing to the pledge’s objective of driving 10 million actions by using their products and services fairly and transparently, putting consumers first.

3
Advocacy

Signatory parties agree to build advocacy for the initiative within the fintech ecosystem, industry bodies, and the media.

4
Visibility

Signatory parties agree to communicate information about the pledge to their customers by explaining directly how they can benefit from it, by displaying their logo on the pledge's landing page, and by publishing the pledge’s logo on their website.

5
Measurement

Signatory parties agree to clearly define, measure and quantify how their customers are contributing to the campaign goal of 10 million actions; this may be different for each partner depending on their product offering.

What do I commit to?

Signatory parties commit to:

  • Provide a senior sponsor from within the institution

  • Provide a day-to-day point of contact

  • Meet on a quarterly basis

  • Upload the logos and publish the sponsor bios within 90 days from joining

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Partners and Sponsors

Zopa Bank

ClearScore logo

ClearScore

Who is behind the pledge?

This is an industry-wide initiative that brings together a wide coalition of UK fintechs and strategic partners, including but not limited to digital banks, online marketplaces, tech platforms and money management applications.

Contact

Email join@pledge2025.org to join the pledge or to find out more about the initiative.

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