Beyond Encryption today announced a strategic partnership with financial education charity Money Ready to advance its data permissioning platform, Nigel.
Nigel is Beyond Encryption’s AI-powered Smart Data agent, designed to help people cut through the noise of everyday life admin.
The company was recently named one of ten finalists in the UK Department for Business and Trade’s Smart Data Challenge Prize, and is recognised as a leader in secure digital communication and data empowerment.
This collaboration reflects both organisations’ commitment to improving outcomes for consumers, particularly the financially vulnerable, by combining secure, intelligent data sharing with timely financial education, and is strengthened by their shared networks and insights across financial services.
Together, Beyond Encryption and Money Ready are working to ensure individuals can not only access their financial information safely but also understand and use it to build long-term resilience.
By embedding Money Ready’s expertise within Nigel’s financial education content and smart data infrastructure, the partnership will deliver safer, more transparent, and more supportive digital experiences.
Consumers, especially young people, vulnerable groups, and those at risk of financial exclusion will gain access to information and knowledge at the point of need, helping them make better decisions and take control of their financial futures.
Claire Quigley, Deputy CEO at Money Ready, said:
"Through this partnership with Beyond Encryption, our organisations are helping people do more than just access their financial information - we’re helping them understand it. By weaving financial education into digital tools like Nigel, we can make money feel less complicated and more empowering. Together, we’re building people’s confidence to make informed choices, stay in control, and create a financially fluent population where no one is left behind.”
Paul Holland, CEO and Founder of Beyond Encryption, added:
"Nigel was built to give people meaningful control over their data. Our partnership with Money Ready strengthens that mission, combining secure data access with focused financial education to deliver a robust permissioning framework that empowers consumers. This is about addressing vulnerability, promoting inclusion, and driving lasting financial wellbeing. It’s a perfect example of how shared values and innovation can deliver real change in the Smart Data economy."
Beyond Encryption and Money Ready’s collaboration marks a significant step toward delivering secure, inclusive, and consumer-focused solutions at scale.
The Smart Data Challenge Prize is funded by the Department for Business and Trade (DBT) and delivered by Challenge Works and delivery partners, including the Open Data Institute (ODI), Big Spark and NayaOne.
For media enquiries:
Please contact Emily Plummer, Marketing Director at Beyond Encryption.
About Money Ready
Money Ready is a financial education charity dedicated to creating a financially fluent population.
They believe that financial literacy should be considered a right for all because the language of money is a language for life. Everyone needs to be able to manage their money. Yet almost two-thirds of young adults do not recall receiving any financial education at all, and 53 per cent are worried that they will never be financially secure. Poor financial literacy is central to many problems people face today, including rising mental health issues, homelessness and unemployment.
Money Ready aims to bridge this gap, working with over 50,000 young people and adults across the UK every year, delivering expert-led, high-impact financial education programmes on topics such as saving, debt and student finance. They want to bring the language of finance to life so that everyone can navigate their money with confidence, no matter where they started.
About Beyond Encryption
Beyond Encryption is the financial services industry standard for secure digital communications, giving organisations the freedom to exchange digital information confidently, cost-effectively, and with full compliance, supporting businesses on their digital transformation journey.
The company has built the world’s most secure encrypted communications network, protecting and connecting advisers, providers, and platforms throughout the financial services industry with its secure email solution, Mailock.
About Nigel
Nigel (Now I’ve Got Everything Labelled) is Beyond Encryption’s AI-powered Smart Data agent, designed to help people cut through the noise of everyday “life admin.”
From bills and insurance to pensions and debt letters, Nigel transforms complex information into simple, timely actions that reduce stress, save money, and build long-term financial resilience.
By turning data into understanding, Nigel empowers consumers to stay in control of their finances and make better decisions with confidence.
Team B.E.
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