Jo leads Nest Insight’s research programme, working collaboratively with partners across the sector to better understand the challenges facing savers on low to mid incomes, and to develop and test potential solutions to those challenges. Current projects include a trial of a hybrid ‘sidecar’ savings tool with six UK employers and a programme of work looking at how to help self-employed people save. She has over 15 years’ experience in social and commercial research across the public, private and third sectors and has led innovation work addressing a range of future opportunities in personal finance, pensions and beyond.