Perkly provides a behavioral smart savings engine for banks utilizing AI to identify hidden savings potential in customer spending and idle deposits. The platform uses nudges and gamification to encourage smarter financial habits, automatically redirecting freed funds into the bank's existing savings and investment products. This results in increased customer activation, stronger loyalty, and measurable organic growth in Assets Under Management (AUM) for financial institutions.
Funding
Funding not disclosed
Founders
Product
Problem
Consumers struggle to align their purchasing decisions with personal values, leading to a disconnect between stated intentions and actual spending behavior. This lack of actionable insight makes it difficult to cultivate consistent, responsible shopping habits and identify opportunities for positive impact.
Solution
Perkly provides a mobile application that analyzes transaction data to quantify consumer spending responsibility and gamify positive financial habits. The platform automatically tracks purchases, assigns a responsibility score based on predefined criteria, and offers personalized nudges for value-aligned choices. Users earn redeemable perks and exclusive discounts from a curated network of sustainable and ethical partner brands, incentivizing conscious consumption. By visualizing progress and rewarding responsible behavior, Perkly aims to foster long-term habit formation and empower users to make more impactful purchasing decisions.
Target Audience
Perkly targets consumers seeking to align their spending with personal values and improve their shopping habits, as well as businesses committed to sustainability and ethical practices looking to engage this demographic.
Features
- Transaction data aggregation via secure API integrations for automated purchase tracking.
- Proprietary scoring algorithm that quantifies consumer responsibility based on spending patterns.
- Personalized behavioral nudges and actionable insights delivered through in-app notifications.
- A curated marketplace of partner brands offering exclusive discounts and rewards for responsible purchases.
- Gamified progress tracking with visual dashboards and milestone achievements, mirroring wellness app functionalities.
- Loyalty point system that accrues based on responsible spending and can be redeemed for partner perks.
- Integration capabilities with financial data aggregators for comprehensive spending analysis.