If doing something doesn't come naturally or it is perceived as difficult, then people either avoid it or they will look for help from a trusted guide.

If behavioural research tells us that it's not natural for staff to make workplace savings decisions, then employers need to look at providing them with that trusted guide. Someone who can look across the whole benefits spectrum, who understands the challenges of balancing income, debt and savings at every point in an employee's career. And who can help employees to see the opportunities presented by their workplace benefits and help them to make the most of these and improve their financial wellbeing. 

Step up the financial educator - trusted guide and the key to unlocking the value in workplace benefits and delivering more engaged, more financially secure staff.