About Us
Thrive removes the debt and
shame-spiral so you can spend happy.
OUR VISION:
To help young people around the world create a happier and healthier relationship with money through innovation.
OUR MISSION:
Eliminate the insecurity that bad debt creates by empowering the Thrive community to save, grow, and spend their money in a conscious way that helps promote abundance and prosperity.
When Customers 'Thrive':
The Strategic Impact of ThriveSavings
Mobetize acquired all assets and IP of Thrive Savings as an AI-driven cash savings and goals app for consumers.
The opportunity for banks and credit unions is exponential as this solution creates tangible value across customer experience, loyalty, and financial wellness—while also driving business growth.
​
Here's Why:
The Impact!
Customers feel supported like they have a digital financial advisor in their pocket.
Personalized Financial Guidance at Scale
AI enables hyper-personalization by analyzing spending patterns, income flows, and behavioral trends to:
-
Offer dynamic savings plans tailored to each user
-
Predict cash flow issues and suggest adjustments
-
Set and auto-adjust financial goals based on life events
The Impact!
Reduces churn and increases lifetime value.
Improves Customer Retention and Loyalty
By helping users save smarter and achieve goals (e.g., vacation, emergency fund, home purchase), banks build:
-
Emotional connection through life-enabling tools
-
Habitual engagement as users track progress frequently
The Impact!
Supports customers living paycheck to paycheck and promotes inclusive banking.
Enhances Financial Wellness & Inclusion
AI can democratize access to tools that were once only available through private banking, such as:
-
Goal-based budgeting
-
Nudges for behavioral change
-
Savings round-ups and auto-sweeps
The Impact!
Increases product penetration and upsell conversions.
Unlocks Cross-Selling Opportunities
By understanding customer goals and financial habits, banks can:
-
Offer timely and relevant products (e.g., a mortgage when a home goal is nearly complete)
-
Promote insurance, credit, or investment products in context
The Impact!
A proprietary AI-powered savings experience helps retain and win back digital-first users.
Defends Against Fintech Disruption
Challenger banks and fintechs like Chime, Digit, and Qapital are winning younger, digital-native users by offering:
-
Seamless AI-driven savings automation
-
Engaging, gamified goal features
The Impact!
Strengthens the bank’s data advantage and competitive edge.
Data-Driven Innovation
Each interaction provides the bank with richer financial behavioral data:
-
Fuels predictive analytics
-
Refines credit scoring and risk assessment
-
Enables real-time financial health scoring
The Impact!
Enhances reputation and aligns with evolving ESG standards.
Regulatory & ESG Alignment
Helping consumers build emergency savings aligns with public policy goals and ESG initiatives:
-
Promotes responsible banking
-
Supports household resilience and economic stability
Our AI-driven savings and goals app isn't just a feature — it is a strategic differentiator.
Banks and Credit Unions can strengthen customer relationships, reduce financial stress, and help banks stay relevant in a digitally competitive landscape. When your clients Thrive, your financial institution thrives with them!
OUR MONEY MANIFESTO:
These are our guiding principles at Thrive - how we think about our money, our spending, and living our best life.
We’re in a crisis of debt overload.
If old fashioned budgeting worked then none of us would be in debt.
Saving money is easier when we don’t feel it.
Money should be enjoyed.
Shopping feels better without the guilt.
Working towards a goal makes it that much sweeter.
The right information gives us the power to make decisions.
Not all debt is bad. Bad debt takes away our freedom. Good debt helps us grow our dreams.
Technology can help us make better decisions, instantly.
We are tired of the judgment and shame around money.
Spending money and buying things is not bad.
Small changes make a big difference.
I control my life when I take control of my money.
No one should be a slave to money.