Smart is a world-leading retirement technology provider. Our mission is to transform retirement, savings and financial wellbeing, across all generations, around the world.

Launched in 2015, our technology platform – Keystone – serves the needs of retirement savers globally, and we are now active on four continents. Keystone is specifically designed to help governments and financial services organisations to serve their citizens' and customers' retirement saving and spending needs.

Smart’s team of engineers, researchers and user experience experts built Keystone based on research from data covering more than a million savers across the globe. Our Future of Global Retirement report summarises a regular piece of research we carry out, gathering insights from thousands of savers on their perceptions toward retirement saving.

We believe in the power of technology to bring positive change. 

Smart is one of the fastest-growing financial technology companies in the world. We’re really proud of being able to make a genuine difference.

From day one, we’ve always believed in the potential of starting with a blank sheet of paper and not having to build things to fit ‘legacy’ technology.