Frequently Asked Questions

Traditional AI typically responds to specific prompts or follows fixed rules to generate content, whereas agentic AI can independently plan, use tools, and execute multi-step tasks to achieve a high-level goal. While standard AI acts as a digital assistant waiting for instructions, agentic AI functions more like a digital employee capable of self-correction and reasoning.

The six types of nudges are: attention, perception, memory, effort, intrinsic motivation and extrinsic motivation. Framing nudges around one of these distinctive cognitive mechanisms has shown to influence behaviour.

A nudge strategy is a behavioral science approach that subtly alters the environment to influence people’s decisions without forbidding any options or significantly changing economic incentives. In finance, this strategy is used to guide customers toward better habits, like increasing savings or paying off high-interest debt, by leveraging cognitive biases.

Effective financial nudges should be timely, easy to act upon, and ethically transparent to ensure they benefit the consumer's long-term health. These rules often focus on simplifying complex choices, such as auto-enrolling employees into pension schemes while maintaining their right to opt out.

Moneyhub has a number of programs to help build a sense of community at work, including:

• Weekly check-ins: a chance to highlight the positives and voice any concerns
• Guild hub: find like-minded people to discuss your passions with, we currently have guilds dedicated to AI, Diversity and Inclusion, public speaking and technical languages
• A transparent and collaborative culture: every voice matters, and everyone at Moneyhub contributes to a supportive working environment

Moneyhub is an international organisation; however, at the moment our recruitment is focused on the UK.

When we have stated the role is permanent on the job advert, we are not looking for contractors. However, on some occasions, we specifically engage contractors, often for short-term projects or to fill skills gaps. This will be noted on the job advert.

The process starts with a screening call, in which candidates can learn more about Moneyhub and our core values. 

In some roles we may provide you with an appropriate short challenge, where candidates are offered a chance to display their skills. 

The number of subsequent interview(s) are role-dependent, and will give candidates an opportunity to speak with at least three separate internal stakeholders to gather a strong sense of what it’s like to work at Moneyhub.

We offer standalone solutions that require no technical resource, as well as no-code and low-code integrations if you would prefer an embedded solution. For any clients with more technical resources or a desire to maintain autonomy over the solution, we offer a suite of APIs giving you full control over any aspect of the product. Your team may want to optimise the models before go live or wait for the initial results and optimise from there. Whatever the approach, we will work with you to ensure a successful project. 

While some of our competitors can only say that their data is as 'real-time' as the customer makes it available, we manage the relationship with the account provider. Therefore, we're able to sync accounts regularly, reducing the delay between a transaction taking place, and Moneyhub receiving the data.

In line with industry best practices, we encrypt all data for both transport and storage, and transactional data is held separately from other PII. Access to the data, for both customers and staff, is controlled by a holistic Identity and Access Management (IAM) solution that provides Authentication, Authorisation and Accounting (AAA) for our financial-grade interfaces.

We keep individuals' PII only as long as we need to be compliant with contractual and legal obligations. Our systems are used and audited by some of the largest banks and financial services firms in the world. We are ISO27001 certified and audited by the BSI. 

Our uptime has been 100% across 2025 and we target 99.99%. We rarely need to completely take the platform down to perform scheduled maintenance, but when we do this, it is carefully managed to happen during off-peak hours.

We provide dedicated, specialist product support backed up by the technical expertise of our engineering, connections and data science teams. Moneyhub can provide 1st line support for white label platforms or second line support to back up a client's support team. Service Levels are agreed in our contract and we report continually against those.