Healthcare providers around the world are looking for new ways to encourage healthier lifestyles while reducing long-term pressure on health services. Rewarding positive behaviours such as regular walking, exercise and healthy living has enormous potential, but only if individuals trust how their personal data is being used.

Today, individuals generate rich, detailed health data across NHS records, wearables, and private providers—yet it remains fragmented and underutilised. At the same time, financial decisions—especially around later-life care—are made using incomplete or generic assumptions.