beatvest x Scottish Widows
The Activation Journey: from pension holder to active investor
How we turn Scottish Widows' existing pension holders into engaged, active investors through structured content and targeted communication.
Laura
35 years old
Scottish Widows client
Workplace pension holder
Not yet an active investor
receives
Step 1
Laura receives an activation message from Scottish Widows
Email
Scottish Widows
Your pension could work harder for you
Compound interest could turn your savings into something remarkable. Learn how in just 5 minutes.
Start Learning
Push Notification
Scottish Widows
Your pension 101
3 min to understand what your pension is actually doing with your money.
now
SMS
Hi Laura, your pension has more potential than you think. Take 3 min to explore: sw.co/learn
In-App Inbox Message
New: Learn about investing
A persistent message in the app's notification center. Always visible when Laura opens the app, until she engages.
clicks
Step 2
She clicks the link and lands in the beatvest learning experience inside the SW app
Try different brand colors
beatvest Default
#4A6CF7
Scottish Widows
#D4213D
SW Header
beatvest Web App
SW Nav
‹ Back
Scottish Widows
Investor Academy
You are in Level 1
×
❤️ 283 Points
🔥 4 Streaks
🏆 10 Day Challenge
i
09
Days
20
Hours
20
Min
20
Sec
1/7 Levels
Level 1
Make your first investment
46%
›
Level 2
Set up a savings plan
Level 3
Invest in bonds
Level 4
Personalise your investments
Level 5
Invest like a pro
Level 6
Invest sustainably
Home
Save
Plan
More
taps level
Step 3
Laura taps on "Make your first investment" and sees all the modules inside
Modules - beatvest
Learning journey
Each module is a bite-sized lesson (3 min) inside the beatvest web app. Laura learns investing concepts relevant to her pension. All content is DIN-certified and tailored to Scottish Widows' products.
‹ Back
Scottish Widows
💎
×
Level 1
Make your first investment
Modules
beatvest content
Stocks
3 mins
Investing safely
3 mins
ETF: everybody's darling
3 mins
Index
3 mins
Emerging markets
3 mins
ETFs vs. funds
3 mins
The 70/30 portfolio
3 mins
Action
deep link to SW
Level completion
Make your first investment
Open SW investment products
Home
Save
Learn
Plan
More
Action - Scottish Widows
Deep link back to SW
At the end of each level, an action CTA takes Laura back into Scottish Widows' native environment via deep link. She applies what she learned: check her pension, use the calculator, make her first investment.
opens module
Step 4
She opens a module, learns for 3 minutes, takes a quiz, and earns points
Lesson
next
Quiz
completes
Module Complete!
Laura completed a module in "Make your first investment". She earned points and her streak continues.
+50 Points
🔥 5 Streaks
Module complete
triggers
Step 5
Streaks, challenges, and rewards keep Laura coming back to complete more modules
10-Day Challenge
Scottish Widows
🏆 Day 1 of your 10-Day Challenge done!
You just completed your first day. Come back tomorrow to keep your streak alive and unlock your reward.
Continue Challenge
Streak Reminder
Scottish Widows
🔥 Keep up your streak!
You're on a 3-day streak. Don't break it - your next lesson takes just 3 minutes.
2h ago
↺ Laura returns to the web app
returns
Step 6
Laura comes back and completes all modules. Now the action unlocks.
‹ Back
Scottish Widows
💎
×
Level 1
Make your first investment
Modules
beatvest content
Stocks
Completed
Investing safely
3 mins - Up next!
ETF: everybody's darling
3 mins
Index
3 mins
Emerging markets
3 mins
ETFs vs. funds
3 mins
The 70/30 portfolio
3 mins
Action
deep link to SW
Level completion
Make your first investment
Complete all modules to unlock
Home
Save
Learn
Plan
More
taps action
Step 7
Laura taps "Make your first investment" and lands on an SW investment product via deep link
Deep link to SW
‹ Back
Scottish Widows
Recommended for you
FTSE All-World Index Fund
Scottish Widows Global Equity Fund
+12.4%
1 Year
+34.7%
3 Years
0.12%
Fee
Fund details
Risk level
Medium
Min. investment
£25
Fund size
£4.2bn
Holdings
3,500+
Invest now
Home
Save
Plan
Claims
More
invests
Step 8
Laura invests and completes the level. She earns points and is ready for the next one.
Level Complete!
Laura finished all modules in "Make your first investment". Now the action unlocks.
+100 Points
Level 1 ✅
Level complete
overview
Step 9
The loop repeats. Each level teaches something new and ends with a Scottish Widows action.
‹ Back
Scottish Widows
Investor Academy
Each level ends with a Scottish Widows action
Level 1
Make your first investment
Action: Make first SW investment
Level 2
Set up a savings plan
Action: Set up SW savings plan
Level 3
Invest in bonds
Action: Invest in SW bonds
Level 5
Personalise your investments
Action: Invest in regions & industries
Level 6
Invest like a pro
Action: Invest in commodities & real estate
Level 7
Invest sustainably
Action: Invest in sustainable SW funds
Home
Save
Learn
Plan
More
CRM Email Templates
Subject lines, body copy, CTAs - created per user group (no investments, 1st investment, active investor, etc.)
Push Notification Templates
Title, body, deep link targets
Banner & SMS Copy
In-app creative, text message templates
Technical Infrastructure
White-Label Web App
Fully branded in partner colors. Integrable into native iOS/Android apps via web view. No SDK required.
Gamification Engine
10-day challenges, streaks, points, levels, quizzes - all white-labeled and configurable.
Session-URL Authentication
Secure backend-to-backend call. SW requests session URL, resolves it in web view. No user-facing login.
Content
Personalised Signature Course
A bespoke course created specifically for Scottish Widows, tailored to their user needs, product portfolio, and customer journey. Defined collaboratively during the setup phase.
Technical Infrastructure
Configurable Action CTAs
Each level ends with a partner-defined action. beatvest provides the UI and triggers the return — the partner defines what happens next, depending on their integration context.
Content
3-Minute Modules
Bite-sized lessons that build upon each other and lead towards a concrete action at the end of each level. DIN-certified, regulation-ready content.
Technical Infrastructure
Outbound Event System
Progress events (e.g. lesson.completed, level.completed, challenge.completed). Delivered via webhooks or partner API integrations, depending on partner integration model. Additional event types can be defined based on partner requirements.
CRM
Re-engagement Templates
CRM templates for streaks, challenge progress, and reward nudges. Ready to plug into partner campaigns triggered by outbound events.
Gamification Data Hooks
Partner maps outbound events to CRM personalisation - streak counts, challenge progress, points earned. All identifiable via external user identifier.
Technical Infrastructure
Flexible Return Actions
Each level ends with a configurable action CTA. The return mechanism adapts to the integration context: target URL in a browser/web setup, or handoff to the host app in an embedded native context.
Partner-Specific Action Mapping
Different levels can map to different partner-defined actions: open an investment page, launch a calculator, navigate within the host app, or trigger a custom product flow.
Content
Continuous Content Expansion
More levels = more action touchpoints. beatvest continuously expands the content journey with new courses, levels, and partner-specific modules.
CRM
Integrate beatvest email templates into own CRM. Schedule campaigns, manage audiences, trigger sends.
PUSH
Configure push service with beatvest-provided notification templates and deep link targets.
APP
Display in-app banners using beatvest creative in the Scottish Widows app.
SMS
Connect SMS gateway to send beatvest-provided text message templates.
INBOX
Surface persistent messages in the app's notification center until user engages.
WebView
Embed beatvest web app in native app via web view component
Auth
Backend call to beatvest API for session URL, resolve in web view
Chrome
Style surrounding app shell (header, nav) in own brand. Web app appearance and behaviour are configured via session and adapt accordingly.
Setup
Define the return behaviour for each level's action CTA during setup: provide target URLs, or configure host-app handling in the embedded context.
Events
Receive beatvest outbound events (e.g. lesson.completed, level.completed, challenge.completed) via webhook endpoint or API integration. Verify signed payloads.
CRM
Map incoming outbound events to re-engagement campaigns. Trigger emails and push notifications based on user progress data.
Web
For browser/web context: provide target URLs per level (e.g. product pages, calculators, investment screens).
Native
For embedded native context: implement host-app return handling — close the web view, navigate internally, or route to a specific product screen.