Who we are

Smart is now active on four continents, helping people around the world to save better towards their retirement. We are one of the fastest-growing financial technology businesses in the world, with headquarters in London and offices in the USA, Europe, the Middle East and beyond. 

We started Smart as we recognise great technology can make a real impact on people’s financial futures, and also have a positive impact on the wider world. Sustainability is at the core of what we do. As a retirement savings technology business we are, in effect, in the business of sustainability.

Sustainability is defined as meeting our present needs without compromising future generations. We believe in a holistic approach to sustainability, and therefore one that goes beyond the traditional ‘green’ mindset. Our actions impact people, the planet and prosperity, and as we grow further we aim to create a positive effect in all these areas.

Growing sustainably is not just the right thing to do, it is the way to build a successful business and have a lasting impact on the world. Smart is embedded in society and the environment, not separate from them. Our success as a business is tied to the health of the natural world and the systems within which society operates. We have a responsibility to behave in a way that ensures a liveable world for people to retire into.

• Through retirement savings, we can protect and grow the financial wellbeing of people across the world. The one millionth member of Smart Pension Master Trust, our UK master trust, said he uses our technology “to organise my pension and plan for a better future”.
• Through enabling our stakeholders to make better retirement savings investments, we can ensure the world is in a better position in the future. We have partnered with numerous investment managers to ensure we achieve this, for example with AXA Investment Managers on the AXA WF ACT Biodiversity fund, which focuses on “sustainable materials, land and animal preservation, water ecosystems, and recycling and recirculation”.
• Through great technology practices, we can reduce our own and our partners’ impact on the environment. Our Keystone technology platform is the first global, cloud-native workplace retirement savings platform. Our cloud services provider Amazon Web Services has committed to 100% renewable energy by 2025, and a cloud-native approach results in significantly lower carbon emissions than on-premises equivalents, both now and in the future. 
• We are committed to good governance and dedicated to the highest standards of ethics to ensure we make the right decisions. For example, as a platform provider we work to ensure robust infrastructure and policies are in place to minimise disruptions to our services. As a company, we recognise that our people are our greatest asset and we encourage ways to boost colleague morale, job satisfaction and individual development.

This report details our approach to sustainability, and some of the activities we are carrying out as part of our business-wide focus on this key area. As we continue to grow, our focus on sustainability – and therefore on people, planet and profit – is even more vital.

Andrew Evans, Group Chief Executive and co-founder, and Will Wynne, Group Managing Director and co-founder