Behavioral infrastructure

Financial Health,
built one habit
at a time.

Fynny is the behavioral layer to reduce financial stress, absenteeism, and risk one habit at a time. It's infrastructure for the institutions that carry the cost when financial wellbeing is everyone's problem and no one's responsibility.

The problem

Financial stress isn't a personal problem. It lands on your balance sheet.

$59 trillion
Global household debt in 2024. Delinquency rates rising across every debt type and every market.
$183 billion
Annual productivity loss from employee financial stress, globally.
1 in 4
Sick days across developed markets are now linked to stress, burnout, and financial anxiety — and recovery periods are getting longer.

Financial stress is the most prevalent, least treated condition in the working-age population. It drives mental health deterioration, physical health decline, relationship breakdown, and workforce disengagement — in that order, at scale, across every market.

Organizations didn't create this problem. But they're paying for it. In claims, in absence, in attrition, in productivity — and increasingly, in regulatory pressure to demonstrate population wellbeing.

The system has no behavioral infrastructure for this. That's what Fynny is.

What Fynny does

Most tools tell people what to do. Fynny changes what they do.

Three things, in this order. Each one is unremarkable on its own. Together, they compound into measurable outcomes.

Layer 01

Behavioral profiling

Ten money archetypes, personalized to each employee's psychology and situation. The plan that follows is shaped by who someone actually is, not what role they hold or what they earn.

Layer 02

Daily micro-habits

Two-to-five-minute daily actions that build Financial Memory over time. Not modules. Not webinars. Tiny, situation-aware moves that fit between meetings. 

Layer 03

Measurable outcomes

Financial wellbeing scores, stress indicators, absenteeism delta — all visible in your partner dashboard, all aggregated, all anonymized at population level.

In their pocket

What users actually experience.

A 5-minute profile. A 2-minute daily action. Fun, personalized learning. A line that goes up. Encouragement every step of the way!

Personal where it matters.
Quiet everywhere else.

Every person starts with a profile that says “I see you”.

The next day, they get personalized education and one short action shaped by that profile. The day after, another. The progress shows up on its own.

Users don't just learn to manage money. They build financial confidence, step by step.

  • 1
    One of ten money archetypes — named, warm, unmistakeably about them.Built from the validated profiling we run at onboarding.
  • 2
    One two-minute action a day — chosen by their profile, not pushed by a marketer.Never a dull video. Never homework. Never asks for guilt.
  • 3
    A Financial Memory — every action compounds into a picture of who they're becoming with money, not just what they've done.The thread that turns small moves into a long arc. 
The platform · for partners

Real-time visibility into population financial health.

What the partner sees — the same view your CHRO, CFO, or actuary opens on a Monday morning. Trend, tiers, and the dollar story behind both.

P

Partners see aggregated, anonymized population-level data only. Never individual records. Cohorts below n = 50 are suppressed by default. GDPR-compliant.

implementation 

Three steps to a world that thinks about money differently.

Tell us the problem. We handle everything else. 

You share your objectives

Tell us where it hurts. We map Fynny to the outcomes that matter to your organization specifically. 

We deploy Fynny to users

Branded, personalized, behavioral. Users enroll themselves; we never enroll on their behalf. Activation runs through your regular channels. 

You track financial wellbeing

Your dashboard is live from day one. Stress levels, engagement, financial resilience are all moving in real time, without you touching a thing.  

Who it's for

Built for the institutions that carry the cost.

Employers

"My absenteeism is up 18% and I can't tell my CFO why."

Fynny surfaces the financial-stress signal hiding inside your engagement, sick-day, and attrition data — and moves it.

Insurers

"Income-protection claims are climbing, and our prevention spend isn't moving them."

Fynny intervenes before financial fragility becomes a claim.

Government

"Our citizens are struggling and the social-services backlog keeps growing."

Fynny adds a preventive layer to your existing services — at population scale, with GDPR-grade data residency.

Financial institutions

"Delinquency is a lagging indicator. By the time it shows up, the relationship is already broken."

Fynny intervenes before the default building the financial habits that keep customers solvent, engaged, and loyal. The earlier the habit, the lower the risk.

Request access

Ready to bring Fynny to your organization?

Tell us who you are and what you're trying to solve. We'll take it from there.

  • We respond within 2 business days — often within hours
  • Sector-specific briefing — insurer, employer, government, financial institution
  • All security and privacy documentation ready to share on request

Let's work together

Tell us a bit about your organization and how Fynny can help.