Abstract
This article is a summary of the research undertaken on the concept of improving individuals’ wellbeing which was carried out between February 2021 and February 2022. This involved desktop research, a consumer survey and stakeholder interviews. Key factors that contribute to wellbeing are investigated (with a focus on personal finance) as well as existing solutions that are available to improve wellbeing in New Zealand (NZ).
 From this research a wellbeing eco-system consisting of four elements is defined: personal, financial, community and environmental wellbeing. These elements are interlinked and together present a holistic approach to improving wellbeing. The benefits of improving wellbeing are also discussed. Just as the elements are interlinked, there are demonstrated flow-on benefits to improving wellbeing in each area. Using this framework as a basis, a modern, end-to-end solution is designed, incorporating value-driven products and services and other features that contribute to improving wellbeing which could be developed, empowering people to thrive.
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