Congratulations to the winner – Moverly and the Open Property Data Association
The Smart Data Challenge Prize was a £600,000 challenge prize funded by the Department for Business & Trade, designed to identify and develop Smart Data use cases across the economy.
Building on the success of the Smart Data Discovery Prize launched in 2023, the prize moved beyond ideas and demonstrated how cross-sector Smart Data solutions might work in practice, generating insight into the opportunities and the challenges of Smart Data-powered innovation.
Ten finalist teams and an associate were selected to access to a specially created Data Sandbox, giving them the tools and data they need to explore and develop their ideas into prototype solutions and demonstrate how Smart Data can transform services across sectors.
The finalist teams also benefited from grants of £50,000 and prizes totaling £100,000, as well as a range of non-financial support. The Prize culminated with a celebration event at the Royal Society, during which the runners-up and winner were announced.
Congratulations to Moverly and the Open Property Data Association , who were named as the winner, and the two runners-up: Open Transport and Nigel by Beyond Encryption.
Meet the Innovators
Meet the 10 finalists and associate that participated in the Smart Data Challenge Prize, building dynamic prototypes demonstrating the potential of Smart Data across the UK economy.
BelowZero
BelowZero helps UK energy consumers cut their energy bills and carbon emissions by turning your unique consumption profile into actionable insights. It analyses your smart-meter data against all available tariffs and models the impact of heat-pumps, solar panels or batteries, optimising usage for low-carbon, low-cost periods — aiming to get your energy bills to #BelowZero, typically saving between 12-95%.
Debit Score® by Cheddar
Debit Score® is the next evolution of the credit score. It turns your real-time, consented financial data into a single, dynamic score based on your Affordability, Resilience, and Financial Strength. It then acts as a financial coach, giving you personalised tips to improve your financial wellbeing and credit worthiness.
GlowTrack by Horizon Zero
GlowTrack is a cross-sector data platform helping vulnerable households at risk of winter fuel poverty. Using a “Vulnerability Index” built from energy, housing, and financial data, we collaborate with councils, suppliers, and the NHS to pinpoint those most in need, and enable timely, targeted support such as prioritised grants, retrofit aid, disconnection alerts and AI-powered personalised energy guidance.
Mycelium:SMART
Mycelium enables businesses to convert their smart meter energy data into a verified carbon footprint. We then publish this information on our open-access emissions database, creating a trusted, cross-sector platform where anyone can discover and compare the carbon performance of different companies, accelerating decarbonisation.
Moverly and the Open Property Data Association
Moverly makes property data portability practical by gathering consumer information at listing into secure, shareable digital ledgers built on industry open standards. AI identifies issues early, verified data flows to conveyancers and lenders instantly. In a market where one-in-three sales collapse, Moverly has proven the potential to halve fall-through rates, protecting consumers from wasted costs, unlocking significant housing market efficiency.
Nigel by Beyond Encryption
Nigel by Beyond Encryption is a Smart Data agent that gives households one secure place to manage their life admin. It securely organises both digital information and paper letters into structured data. Nigel uses smart skills like remind, compare and share to turn this data into real life opportunities for people to save money and access support they are entitled to.
Open Transport
The Open Transport dashboard brings together all your travel activity in one place. By securely linking your transport, banking, and carbon data, it provides a single, personalised view of journeys, costs, and CO2 impact, enabling smarter and greener decisions for everyone.
Pulse+ by Smarter Contracts
Pulse+ by Smarter Contracts empowers individuals with a single, unified dashboard to control all data permissions across every Smart Data scheme. Pulse+ also enables individuals to create reusable Data Passports that fuse verified details with consent, eliminating rekeying and delivering a frictionless, truly portable experience for any customer journey.
Smart Worker Operating System by Rodeo
The Smart Worker Operating System by Rodeo empowers gig workers to aggregate their earnings data from multiple platforms. We enable workers to import their income information into a single dashboard, allowing them to see all their earnings in one place, analyse performance, and make smarter, informed decisions.
VoltView
VoltView’s Smart Energy Marketplace connects smart meter, property, and financial data to surface the best tariff and retrofit choices. Our software narrows down thousands of possibilities to a shortlist of options, explained in plain English, much like a flight comparison service that also suggests the best hotel, car rental, and travel insurance.
Mealia
Mealia is your AI grocery agent that helps you shop and eat better. Tell us your goals, family size, and preferences, and Mealia instantly creates a personalised weekly meal plan and automatically fills your online supermarket basket with all the ingredients, ready for checkout.
£28 billion
is the amount that GDP could increase thanks to new commercial opportunities created by personal data mobility, and Smart Data will be key in unlocking this.
Over 17 million
customers and small businesses are already benefiting from Open Banking services as of March 2026.
What is Smart Data?
Smart Data is the collective term for technologies and policies that will enable individual consumers and small businesses to securely share data that organisations hold on them with other authorised organisations they trust. These, in turn, will be able to use that data to provide consumers with innovative services.
Smart Data is already a reality in the UK for bank current accounts, in the form of Open Banking. In the future, it could expand into a range of other consumer sectors, including energy, retail and transport, as well as other financial services such as savings and investments, mortgages and insurance.
New ways of mobilising data will create opportunities to empower consumers, increase competition and sustainably grow our economy. It is estimated that new commercial opportunities created by personal data mobility could increase GDP by £28 billion per year, and Smart Data will be key in unlocking this.
What was the Smart Data Discovery Challenge?
The Department for Business & Trade, Challenge Works, the Open Data Institute (ODI) and Smart Data Foundry called on individuals, innovators, entrepreneurs, academia and civil society to join them in identifying innovative ways in which Smart Data could make a difference for consumers, small businesses and wider society.
Between 26 October and 8 December 2023 we ran an open call for cross-sector Smart Data use case ideas. We invited individuals and organisations to share their bold cross-sector use case ideas for a consumer-driven Smart Data economy. The most promising cross-sector use case ideas submitted in the open call were then selected by an expert panel and further defined with the help of expert input.
The Discovery Challenge culminated on Thursday 21 March 2024 at an event for the emerging Smart Data community. During the event, the teams behind the 14 most promising ideas pitched to an expert judging panel and Smart Data audience, and four teams were selected as the winners, sharing a prize pot of £20,000.
Who was involved?
