Turn Your Bank Into Your Customers' Financial Wellness Partner
Financial Fitness Passport™ gives your customers a complete AI-powered financial wellness platform — reducing churn, deepening relationships, and creating natural cross-sell conversations with a banker.
The Loyalty Tool Fintech Has Been Winning With — Now Available for Banks
Customers switch banks when they feel their institution doesn't know them. Financial Fitness Passport gives your bank the deepest possible view of customer financial health — and customers a reason to stay.
Deepen Customer Relationships
Customers who engage with a financial wellness platform have higher balances, more products, and significantly lower churn rates than non-engaged customers.
Create Natural Cross-Sell Moments
Penny AI refers product questions — HELOCs, savings accounts, investment accounts — directly to a banker. Every referral is a warm conversation, not a cold outreach.
Improve Customer Financial Health
Better-informed customers make better financial decisions. Lower debt stress, higher savings rates, and on-track retirement planning — all tied back to your brand.
How It Works for Your Bank
Bank Deploys the Platform
Your bank licenses Financial Fitness Passport and co-brands the experience. Customers access it through your app, website, or a dedicated link.
Customers Build Their Passport
Customers complete their financial profile — income, expenses, debts, savings, insurance, investments, and retirement goals — at their own pace.
Penny Engages Customers Daily
Penny answers questions, tracks progress, and refers product inquiries to your bankers — creating warm, welcomed conversations.
Your Bank Deepens the Relationship
Your team engages customers with full financial context. Cross-sell conversations happen naturally, at the right moment.
Meet Penny™
Penny is an AI financial companion that engages your customers around the clock. She answers financial education questions, guides customers through their wellness journey, and keeps them engaged with your bank's platform.
The key for banks: When customers ask about specific products — loan rates, savings accounts, investment options — Penny doesn't speculate. She refers them directly to your banker or your bank's product team, by name.
Everything Your Bank Needs to Drive Customer Financial Health
Bank Branding
Your institution's logo and brand appear throughout — customers associate this financial wellness experience with your bank.
Complete Financial Picture
8 financial modules give your team a full view of customer financial health when the customer chooses to share.
AI-Driven Banker Referrals
Penny refers product questions to your bankers, creating warm, context-rich conversations — not cold outreach.
Customer Engagement Analytics
Track aggregate engagement, wellness score trends, and module completion rates across your customer base.
Incentivize Better Financial Behavior
Customers who use the platform build better financial habits — leading to higher balances and lower default rates.
Data Privacy & Consent
All data access is customer-initiated and consent-based. No data is shared without explicit customer approval.
Enterprise Pricing for Financial Institutions
From community banks to national institutions — volume-based customer seat pricing with full co-branding and dedicated support.
Community Bank
Up to 5,000 customers
Regional Bank
5,000–50,000 customers
National Bank
50,000+ customers + custom terms
Frequently Asked Questions
Ready to Become Your Customers' Financial Wellness Bank?
Tell us about your institution and we'll show you how Financial Fitness Passport can work for your customers.