In an interview with Reward Strategy, Ray Law, co-founder of moneyappi, shares how its gamified financial wellbeing platform is helping employees reduce money stress, build confidence, and turn healthy financial habits into everyday wins.

For those unfamiliar, can you introduce moneyappi and explain the vision behind creating a financial wellbeing app inspired by gamified platforms, such as Duolingo?

moneyappi is a financial wellbeing platform built to help employees stress less and do more with their money. We’re living through a perfect storm, rising living costs, stagnant wages, and mounting financial pressures are leaving everyone overwhelmed. In fact, 73% of people say money worries affect them at work.

We noticed that most solutions out there trying to solve this problem are reactive, stepping in only when someone is already in crisis. But the real opportunity lies in being proactive: building confidence early through financial literacy, awareness, and daily behaviour change.
The problem? Traditional financial education is often too passive, too generic, and ultimately disengaging.

That’s why we created moneyappi, a gamified financial wellbeing platform built on the same behavioural science that powers platforms like Duolingo. Our approach turns financial literacy and behaviour change into an interactive, rewarding experience. It’s personalised, accessible, and designed to meet employees where they are, on their phones, in real life, and in real time.

Our vision is to make your financial journey, aka the appiVerse, as engaging and accessible as fitness or language learning embedded into daily life, not an afterthought. 
 
Gamification is a buzzword, but not always well executed. How does moneyappi use game mechanics to actively engage users in improving their financial health, and why is this approach more effective than traditional methods?

Gamification at moneyappi isn’t cosmetic. It’s built on a proven gamification framework and is core to our engagement strategy. We use dynamic goals, streaks, badges, habit challenges, and progress tracking to motivate meaningful financial behaviours. Unlike traditional tools that stop at information, moneyappi drives action. From reducing unnecessary spending to building savings momentum. Crucially, our appiScore evolves as users engage, creating a clear sense of progress and mastery. This approach increases retention and impact: users don’t just learn, they transform. And in a world where attention is scarce, sustained engagement is the game-changer.
 
What are some of the tangible benefits that employers, and their employees, can expect to see when moneyappi is introduced into a reward or wellbeing programme?

We live in a metrics-obsessed world. In work: ROI, KPIs, MQLs, CAC. In life: credit scores, mile splits, 5k times, bench press maxes. We track everything - except wellbeing. It’s always been treated as something vague. Abstract. Unmeasurable. Until now.

moneyappi is the first platform to make financial wellbeing measurable, thanks to our proprietary scoring engine, the appiScore. It’s a dynamic, AI-powered wellbeing index that tracks changes in users’ financial confidence, behaviours, and decision-making over time. This gives employers real, anonymised insight into workforce wellbeing trends, without ever compromising individual privacy.

For HR leaders, that means strategic clarity: the ability to demonstrate ROI on wellbeing initiatives, reduced absenteeism, improved productivity, enhanced engagement, meet ESG and DEI goals with confidence, and report back to the board with real data, not guesswork. For employees, it means clear progress, less stress, and smarter money choices that improve both their personal lives and their performance at work.

Financial wellbeing is no longer just “wellbeing.” It’s a metric. A movement. And with moneyappi, it’s finally measurable.
 
Many reward professionals are exploring new ways to support financial resilience among staff. What makes moneyappi a particularly relevant solution in today’s economic and workforce climate?

Employees today are navigating intense financial pressure and an economy that feels increasingly uncertain. At the same time, the way we work has transformed. Hybrid working is now the norm, and with that comes a new challenge: how do you support and engage a dispersed, digitally connected workforce with tools that actually make a difference?

moneyappi was built for this moment. Our mobile-first platform fits seamlessly into hybrid working cultures, accessible anytime, anywhere, on the device people already carry with them. It’s proactive, inclusive, and scalable, helping organisations reach every employee with personalised support, not just those who show up to in-person sessions or tick boxes on a webinar.

And because we know trust is critical, moneyappi is designed with robust data security and privacy at its core. Our infrastructure is secure, our architecture is compliant, and our insights are anonymised. Meaning employees get personalised help, while employers get anonymised real-time, company-wide wellbeing analytics without ever seeing individual data.

In a world where flexibility, reach, and trust matter more than ever, moneyappi delivers a timely, relevant, and secure solution to help organisations build true financial resilience. At scale.
 
In your view, why should financial wellbeing be treated as a core pillar of an organisation’s reward strategy, and how does moneyappi help bring that vision to life?

Money touches every part of a person’s life and it follow them into their work. Financial stress is the silent productivity killer, contributing to disengagement, burnout, and turnover. When you elevate financial wellbeing to the same level as mental and physical health, you unlock a more holistic, future-ready reward strategy. moneyappi operationalises this by making financial wellbeing visible, measurable, and actionable, backed by data, driven by engagement, and aligned to both employee needs and business outcomes. It’s not a nice-to-have; it’s a must-have for retention and resilience.

Imagine teams, stress-free, unburdened by the worries of money, completely focused on collectively delivering and achieving a common goal in the workplace. moneyappi is part of that formula.
 

Finally, for reward leaders ready to innovate, what’s the first step to integrating moneyappi into their existing employee benefits ecosystem?

It starts with a conversation. We work closely with HR and reward teams to align moneyappi with their existing benefits framework. Integration is as simple as it gets, onboarding is fast, and our customer success teams will be there for continuous support. Reward leaders can expect a seamless launch and immediate access to our insights HR portal. The first step? Reach out, and we’ll show you how moneyappi can transform your employee value proposition, starting today.