Organizations measure financial health in incompatible ways. Assessment data stays siloed in one system. Intervention data lives in another. Outcomes — if they're tracked at all — sit in a spreadsheet somewhere, disconnected from what caused them.
There is no shared format for tracking a person's financial health journey over time. No portability between institutions. No interoperability between tools. No way to connect what you measured to what you did to whether it worked.
The result: billions spent on financial wellness programs with no connected evidence of impact.