In this episode, Andrew & Pål will be investigating Opt-out savings schemes, similar to the pension auto-enrolment, under opt out savings schemes, employees are automatically enrolled into the payroll savings scheme unless they opt out. To investigate this further they will be joined by Emma Stockdale, a research lead at Nest Insight which is a public-benefit research and innovation centre that focuses on finding ways to support low- and moderate-income workers to be financially secure, & Roger Shelton, a marketing and business development manager at Transave UK, an employer-based credit union which is piloting an opt-out payroll savings scheme with SUEZ, one of its employer partners.