Stecs provides a single mobile app that combines ethical savings, investing, spending, and wealth‑growth tools, allowing users to align their finances with personal values. The platform also supports personal and business transactions, bill payments for airtime, data, cable, and electricity, and offers an Insights dashboard for budgeting and spending analysis. By consolidating these services, Stecs simplifies financial management while emphasizing purpose‑driven wealth growth.
Funding
Funding not disclosed
Founders
Product
Problem
Consumers in Nigeria often use multiple separate apps for banking, bill payments, budgeting, and investing, which creates fragmented financial management and makes it difficult to align money decisions with personal values, especially when ethical investment options are limited.
Solution
Stecs provides a unified mobile platform that combines savings, spending, ethically screened investments, and bill payments into a single application. Users can create financial goals, allocate funds to flexible “vaults,” and earn returns from investments that meet defined ethical criteria. The app includes an Insights dashboard that tracks expenses, categorizes transactions, and offers budgeting tools to help users monitor and optimize their cash flow. By supporting both personal and business transactions—such as airtime, electricity, data, and peer‑to‑peer transfers—Stecs streamlines everyday financial workflows while keeping wealth management aligned with the user’s values.
Target Audience
Stecs targets individual consumers and micro‑business owners in Nigeria who seek a consolidated, values‑aligned financial solution for everyday transactions, budgeting, and ethical wealth growth.
Features
- Integrated account for saving, spending, and investing with a single user interface
- Ethical investment marketplace that screens opportunities against predefined social and environmental standards
- Flexible “vaults” for goal‑based savings that maintain accessibility while earning returns
- Bill‑payment hub covering airtime, data, electricity, cable, and other utilities
- Peer‑to‑peer money transfer for personal and business payments
- Insights dashboard offering expense categorization, budgeting, and spending analytics
- Real‑time transaction notifications and unified transaction history