美世健康财富和职业报告英文版20181238页

HEALTHY,WEALTHYANDWORK-WISETechnology:DrivingaRevolutioninFinancialFitnessHowEmployersCanUseTechnologytoSimultaneouslyEnhanceHealthandFinancialWell-beingANDImproveTheirEmployees’ExperienceHEALTHWEALTHCAREERTECHNOLOGY:DRIVINGAREVOLUTIONINFINANCIALFITNESS1CONTENTS01Introduction2ImproveEmployees'FinancialandPhysicalWell-beingPlanfortheWorkforceoftheFutureDeliveraConsumer-GradeBenefitsExperienceThatEmployeesCravePersonalizetheEmployeeBenefitsExperienceforaDiverseWorkforceTechnology:TheKeytoanEmpoweredWorkforce02FourWaysEmployersCanUseTechnologytoEnhancetheEmployeeExperienceConclusion100334TechnologyandtheRoleoftheEmployer61120232834HEALTHY,WEALTHYANDWORK-WISE2IntheeraoftheFourthIndustrialRevolution,newthinking,collaborationandstructuresarecriticaltoclosinggapsinhealth,savingsandcareerskills.Progressivecompaniesrecognizethathelpingemployeesbettermanagetheirhealth,wealthandcareersiscriticaltotheorganization’svaluepropositionandtoattractingandretainingtoptalent.Aslifeandworkbecomemoreintertwined,employersarerequiredtoprovidemoretoolstohelpemployeesmanagetheircareersandtheirlives—inparticular,theirhealthandfinancialwell-being.Healthandfinancialstressareintrinsicallylinked,andthestressoffinancialsecurityiscurrentlyimpactingpeopleinallcountriesandorganizations.Atthesametime,variousdisruptorsarechangingthewaypeopleliveandwork.Workforcesarebeingreshapedandbecomingmorediverse,andemployeeexpectationsarechanging.Wearelivinglongerandourlivesarebecomingmoredigital;technologyisnowanintegralpartofourdailylives.Smartcompaniesarelookingtotechnologytodeliveranemployeeexperiencethatempowerstheworkforceandimprovesthephysicalandfinancialwell-beingofindividualemployeesandtheirfamilies.INTRODUCTION01TECHNOLOGY:DRIVINGAREVOLUTIONINFINANCIALFITNESS3TechnologyIsInfiltratingAllAspectsofLife…Peoplewanttheconvenienceofeasyandinstantaccesstoinformationandservicesnomatterwheretheyare.Asaresult,moreaspectsofourlivesareintegratedwithtechnologythaneverbefore.Weuseappsonsmartphonesforawiderangeofpurposes,frommonitoringourstepcounttochangingthetemperatureinourhomes.Somepeoplehaveembracedinnovationtothepointofwearingtheirtechnology:smartwatchesandringscanbesynchedtosmartphones.…andDisruptingWorkforces…Advancesintechnologyaredramaticallyimpactingbusinessesandredefiningworkforcesallovertheworld.Artificialintelligence(AI),roboticsandmachinelearningarechangingthewaybusinessesoperate,displacingjobsbutalsocreatingopportunitiesfornewjobs.Atthesametime,technologyiscreatingnewwaysofworking,greaterflexibilityandseamlesswork-lifeintegration.Asbusinessesandworkforcesreacttothisdisruption,thewartowinandretaintalentisrising....WhileEmployeeExpectationsAreChangingGlobally,individualsaredemandingmorefromtheorganizationstheyworkforandinteractwith.Organizationsareunderincreasingpressuretodemonstratehowtheyaremakingpositivecontributionstosociety,includingthewell-beingoftheiremployeesandofthecommunitiesinwhichtheyoperate.Astheconceptofwork-lifeintegrationstartstodominate,employeesexpecttheiremployerstotakeamoreholisticapproachtosupportingtheircareersandlives.ButTechnologyBringsGreatOpportunityforEmployersHistorically,itwasenoughforemployerstoprovideaccesstocorebenefits,suchasaretirementsavingsplanandaffordablehealthcare.Today,employeesstillexpectthesebenefits,buttheyarelookingforamorediverserangethatmatchestheirlifestageandcircumstances.Theyalsoexpectgreatersupportandassistanceinmakingdecisionsandoptimizingthebenefitsonoffer.Oneoftheprimarydriversofthesedemandsisthefeelingoffinancialinsecurityprevalentamongindividualsaroundtheworld.Mercer’srecentstudy,Healthy,WealthyandWork-Wise:TheNewImperativesforFinancialSecurity,examinedtheforcesthathavethegreatestimpactonfinancialsecurityandhowpeople,live,workandsave.Thestudyrevealedimbalancesbetweenourneedtosaveandourabilitytodoso—whichaffectsallofus,regardlessofincomestatus.Only35%ofadultsfeelfinanciallysecure(seeFigure1onthenextpage);however,aresounding79%ofindividualstrustemployerstogivesound,independentadviceonplanning,savingandinvesting.HEALTHY,WEALTHYANDWORK-WISE435%SECURENEUTRAL30%35%INSECURE7%VERYSECURE29%SOMEWHATSECURE30%NEUTRAL22%SOMEWHATINSECURE13%VERYINSECUREFigure1.HowFinanciallySecureDoYouFeelToday?OFWOMENARESECURE31%OFMENARESECURE38%OFBUSINESSLEADERSARESECURE53%Further,85%ofindividualsarelookingforonlinetoolstohelpthemmanagetheirfinances.Employershavegreatcapacitytojointhesedots,andprovideamorediverserangeoffinancialtoolsforemployees,helpingthemtomanagetheirfinancestodayandensuregreaterfinancialsecurityforthefuture.Employerscanredefinetheemployeeexperienceandthewaythattheyengagewithemployeesaroundtheiremployeebenefitprogram.Technologyistheenabler.TechnologyEnablestheEmployeeExperienceLeadingorganizationsarelookingtotechnologytodeliveracustomizedemployeeexperiencethatempowersitsworkforce,deliveringfinancialwell-being,healthprogramsandcareermanagement.Smartcompanieswillhelpemployeesgrowprofessionally,leadhealthierlivesandmakebetterfinancialdecisions.Theywillleveragetechnologytoefficientlydeliveranenhancedemployeeex