BALANSA
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Financial institutions

Banks, banking groups and fintech partners

An embedded intelligence layer that watches a customer’s whole financial life and surfaces problems early — inside the bank’s own app, under the bank’s own brand.

EarlierHardship detected before collections, not after
Cross-bankVisibility beyond the institution’s own accounts
AmbientNo new app for the customer to remember

The problem

  • A bank sees one slice of a customer’s financial life and has to advise on all of it.
  • Financial-wellness spending runs to €200–€600M a year across the sector with weak engagement to show for it.
  • Budgeting features churn more than 70% of users within 30 days.
  • Fraud and hardship are usually detected after the money has moved.

Use cases

Pre-delinquency warning

Flag a cashflow trajectory heading toward a missed obligation while there is still room to act.

Unexpected charge detection

Catch duplicate payments, silent subscription renewals and anomalous merchants in real time.

Engagement that survives month two

Signals arrive when they matter instead of requiring the customer to open a dashboard.

Where we stand

  • Full pipeline running on live bank data

    Validated

    PSD2 access, cross-bank normalisation, automation-platform orchestration and our MCP workflow run end to end against real accounts — not mock data, not a demo fixture.

  • Public financial stress check

    Validated

    Anyone can upload a bank statement and receive a structured health read-out. It has been live and usable since before this application.

  • Baltic tier-1 bank

    In progress

    Positive first meeting, follow-up scheduled.

  • Mastercard Lighthouse

    In progress

    Encouraged to apply; application in progress.

Discuss a bank pilot

Tell us what you are trying to solve and we will tell you honestly whether we can help yet.

Request a pilot