SavvyMoney provides a cloud‑native platform that aggregates credit‑score data and delivers real‑time, machine‑learning‑based product offers to banks, credit unions, and fintechs. Its API and workflow engine automate multi‑channel onboarding and include analytics to identify wallet‑share gaps and forecast campaign ROI, all while meeting PCI‑DSS and GDPR compliance standards.
Funding
$225M 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.
PEFounders
Product
Problem
Financial institutions often struggle to provide customers with seamless access to credit information, personalized product recommendations, and unified onboarding experiences across digital and branch channels. This fragmentation leads to lower engagement, missed cross‑sell opportunities, and inefficient acquisition workflows. Additionally, limited analytics make it difficult to identify wallet‑share gaps and optimize marketing spend.
Solution
SavvyMoney delivers a cloud‑native financial wellness platform that aggregates credit‑score data, delivers tailored offers, and automates end‑to‑end account opening for both consumer and business segments. The solution exposes a RESTful credit‑score API and a real‑time offers engine that match products to individual risk profiles and financial goals. Integrated analytics ingest transaction and behavioral signals into a data lake, applying predictive models to surface wallet‑share opportunities and campaign ROI forecasts. Marketing teams can trigger rule‑based, omnichannel campaigns directly from the platform, while compliance and security controls ensure data is encrypted at rest and in transit. The platform’s workflow engine orchestrates onboarding steps across web, mobile, and in‑branch touchpoints, reducing manual hand‑offs and accelerating time‑to‑account.
Target Audience
The primary customers are banks, credit unions, and fintech platforms seeking to enhance member engagement, drive deposit and loan growth, and streamline digital and branch onboarding processes. Marketing and product teams within these institutions benefit from the platform’s data‑driven insights and automation capabilities.
Features
- Scalable credit‑score API with unlimited score pulls, FICO‑compatible reports, and continuous monitoring alerts
- Personalization engine that leverages machine‑learning risk models to generate product offers, goal‑tracking widgets, and educational content in real time
- Unified onboarding workflow engine supporting multi‑channel (online, mobile, branch) with configurable decision trees and KYC/AML integrations
- Advanced analytics suite with dashboards for behavioral segmentation, wallet‑share gap analysis, and campaign performance metrics
- Plug‑and‑play connectors for core banking systems (e.g., FIS, Q2, Alkami) and third‑party data providers via secure OAuth 2.0
- Role‑based access control and audit logging meeting PCI‑DSS and GDPR compliance standards
- End‑to‑end encryption and tokenization of PII, with data residency options for regulated markets
- SDKs for iOS, Android, and web developers to embed credit‑score widgets and offer modules directly into digital experiences