Habitto provides integrated financial management tools covering daily spending, savings, and future planning. Users benefit from a high-interest savings account and a debit card offering 0.8% cashback on all transactions. The service also includes personalized advisory support for investment, insurance, and life planning questions.
Funding
$20.1M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Many young Japanese adults lack financial literacy and struggle to manage their savings, investments, and insurance needs effectively. They often feel anxious about their financial future but lack the knowledge or resources to take proactive steps.
Solution
Habitto is a fintech platform that aims to alleviate financial anxiety by providing young Japanese adults with a comprehensive suite of financial tools and personalized advice. Through a mobile application, users can access high-interest savings accounts, investment options, and insurance products, all within a single, user-friendly interface. Habitto also offers free advisory services, connecting users with financial advisors via chat or video call to address their specific concerns and develop tailored financial plans. The platform partners with established financial institutions to provide secure and reliable services.
Target Audience
The primary target audience is young Japanese adults in their 20s and 30s who are seeking to improve their financial literacy and manage their savings, investments, and insurance more effectively.
Features
- High-interest savings account with a tiered interest rate (e.g., 0.4% on deposits up to ¥1 million).
- Access to investment products, including NISA (Nippon Individual Savings Account) options.
- Insurance products from select partners.
- Free financial advisory services via chat or video call.
- Digital onboarding and eKYC for secure customer verification.
- Integration with GMO Aozora Net Bank for seamless account opening and management.
- Visa debit card with a cashback program (e.g., 0.6% cashback on purchases).
- Deposit insurance coverage up to ¥10 million.