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why we're different
AI built for financial decisions
General-purpose AI can answer a financial question. numa changes financial behavior. That distinction comes from over a decade of localized financial expertise, a deterministic intelligence layer, and an AI governance framework that sets the standard for our industry.
Grounded in expert knowledge, not the open web
numa draws only from nudge's proprietary expertise. Over 10,000 structured, validated knowledge assets localized across 160 markets, and built and maintained by in-house personal finance experts. Unlike probabilistic general-purpose AI, numa's outputs are deterministic: consistent, auditable, and grounded in guidance your employees can trust.
Governed to the highest standard in the industry
nudge is ISO 42001 accredited for responsible AI management. One of the first organizations in the world to achieve this. That governance infrastructure covers the full lifecycle: design, deployment, bias testing, human oversight, and a complete audit trail for every interaction. For enterprise buyers, that's not a nice-to-have. It's a prerequisite.
Built to change behavior, not just answer questions
Engagement with nudge's AI-powered platform runs at over 60% across the client base. That's the result of proactive, personalized, and contextually relevant guidance, not a chatbot waiting to be opened. numa is built on behavioral science principles that move employees from financial awareness to financial action.
features
numa across the platform
numa powers the personalization behind every nudge experience. It's not just a tool you open when you have a question. It's the intelligence working in the background, building plans, spotting moments, and connecting every employee to the guidance that's right for them, right now.
Action Plans
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Plans that know each person
Action plans aren't generated by a template. numa builds them from each employee's financial health scores, goals, benefits, life stage, and what it already knows about them. As circumstances change, the plan changes with them.
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Personalized from the Financial Health Checkup results
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Continuously updated as employee circumstances evolve
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Integrated with HRIS and benefits data for employer-specific relevance
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Prioritized appropriate actions, not information overload
PROACTIVE NUDGES
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Prompting action
numa anticipates when an employee needs help and prompts them to act through the channels they already use.
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Triggered by life events, market changes, and enrollment windows
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Delivered via email, text, Microsoft Teams, Slack, WhatsApp, Claude, ChatGPT, your benefits platform, and more
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Personalized messages to the individual, not broadcast to the workforce
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Driving 60%+ engagement across nudge's client base
PERSONALIZATION AT SCALE
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No two employee journeys are the same
numa's AI-powered workflows and dynamic personalization work continuously to identify what each employee needs next, and guides them before they go looking. numa doesn't wait to be asked.
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Continuously identifies the next best action for every employee
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Adapts in real time as employee circumstances change
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Behavioral science built into every recommendation
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No manual triggers, no one-size-fits-all logic
DIRECT CONVERSATION
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Available when the question can’t wait
When an employee has an in-the-moment money question, whether it's about their 401(k), their HSA, their equity plan, or their debt. numa is available anytime, in their language, with impartial guidance grounded in nudge's validated financial knowledge. Never financial advice. Always financial clarity.
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Available 24/7, in the employee's language
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Grounded in nudge's proprietary, localized knowledge library; not the open web
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Impartial by design, no product promotion, no sales agenda
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Connected to your benefits, so guidance is specific to what employees actually have
Certifications
Enterprise-grade AI governance
Deploying AI in a financial context, across a global workforce, demands a governance standard most providers can't meet. nudge meets it. And can prove it.
ISO 42001
We are one of the first organizations in the world to achieve this accreditation in responsible AI. A structured, audited AI management system covering design, deployment, and ongoing monitoring.
ISO 27001
Long-standing certification for information security, covering the security of all data processed across the nudge platform, including every AI interaction.
Deterministic by design
numa's outputs are rules-based, not probabilistic. The same question produces a consistent, auditable response. Every time, for every employee, in every market.
Human-in-the-loop oversight
For sensitive use cases, human oversight is mandatory. nudge's personal finance and behavioral science experts review AI outputs, refine guardrails, and ensure quality keeps pace with a changing financial world.
Full audit trail
Every AI interaction generates a complete, auditable record. Full visibility and governance for HR and legal teams in a regulatory environment that is only becoming more demanding.
Impartial by design
nudge has no commercial relationships with financial product providers. No advertising, no commissions, no conflicts of interest. Every piece of AI-powered guidance is in the employee's best interest, and yours.
faq
Have questions? Find answers
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What is numa?
numa is nudge's AI: the intelligence layer that powers personalization across the entire platform. It builds each employee's financial action plan, identifies the right moment to reach out with a proactive nudge, and is available directly for in-the-moment financial questions. It's not a standalone tool. It's what makes the nudge platform personal.
Why shouldn't we just use a general-purpose AI tool for this?
General-purpose AI can answer a financial question. numa is built to change financial behavior. At enterprise scale, across 160 markets, with the consistency, governance, and impartiality that financial guidance demands. General-purpose AI is probabilistic: the same question can produce a different answer each time. numa is deterministic: consistent, auditable, and grounded in nudge's expert-validated content library. And unlike general-purpose tools, it carries no GDPR risk and generates a full audit trail for every interaction.
Does numa provide financial advice?
No. nudge's philosophy is "educate, empower, never prescribe." numa provides impartial financial guidance. Helping employees understand their options and build the confidence to act. It does not recommend specific financial products, tell employees what to do, or provide regulated financial advice. If an employee needs product-specific or regulated guidance, numa will signpost them to find a licensed advisor.
How does nudge ensure the AI is accurate across different countries?
Every market nudge operates in goes through a detailed review before numa is deployed there, covering country-specific financial content sufficiency, localized guardrails, language accuracy, and cultural fit. numa draws only from nudge's proprietary content library, built and maintained by in-house personal finance experts with country-specific knowledge. Financial systems, tax law, and benefits frameworks vary significantly by country. We review each one separately, so your employees get impartial guidance that's locally accurate, not globally averaged.
What AI governance standards does nudge meet?
nudge holds ISO 42001 accreditation for responsible AI management. One of the first organizations globally to achieve this, alongside long-standing ISO 27001 information security certification. Every AI feature undergoes an AI System Impact Assessment before deployment, and all interactions generate a full audit trail. We align with ISO 27001, ISO 42001, the NIST AI Risk Management Framework, the OECD AI Principles, and EU AI Act requirements. Further detail is available on our Trust and Security page.