GAMIFY SPENDING INTO WEALTH.

PERKLY IS A SPENDING INTELLIGENCE AND GAMIFICATION ENGINE.

We analyze open banking transaction data to detect financial behavior patterns, predict churn risk, and gamify savings and better spending activation.

Detect behavior.
Gamify improvement.
Redirect capital.

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THE FINANCIAL SYSTEM MEASURES BALANCES. IT DOESN’T UNDERSTAND BEHAVIOUR.

Every day, billions of transactions reveal:

  • Impulse patterns

  • Lifestyle inflation

  • Liquidity stress

  • Subscription leakage

  • Consumption drift

Institutions react after outcomes appear. By the time balances fall, churn is visible, or stress escalates, it’s already late.

Behavior is the missing infrastructure layer.

PERKLY IS THE OPERATING SYSTEM FOR FINANCIAL BEHAVIOUR

Perkly decodes real-world spending patterns from transaction data and transforms them into:

  • Behavioral signals

  • Predictive scoring

  • Gamified reinforcement

  • Automated capital redirection

We don’t just show dashboards.

We change outcomes.

HOW PERKLY WORKS?

  • 1. DETECT

    Real-time, AI based behavioral analysis of transaction flow.

  • 2. SCORE

    Behavior becomes measurable.

    We quantify patterns and risks before they become visible in balances.

    Financial behavior is no longer abstract. It’s structured data.

  • 3. GAMIFY

    This is where Perkly is different.

    We turn insights into behavioral challenges:

    Challenges, streaks, peer comparison, unlock levels.

  • 4. REDIRECT

    Freed liquidity doesn’t disappear.

    It flows automatically into Automated capital flows into savings, investments, insurance.

    Behavior becomes capital.

  • 5. REINFORCE

    Behavior loops → habit formation → compounding impact.

BASED ON GAMIFICATION AND AI INSIGHTS

Making Better Financial Behavior Addictive.

Most platforms stop at alerts. Perkly builds reinforcement loops.

Detect → Challenge → Reward → Repeat.

Gamification isn’t cosmetic. It is behavioral infrastructure.

We combine:

  • Real transaction data

  • Behavioral economics

  • AI-driven scoring

  • Social benchmarking

  • Automated redirection

The result:

Higher engagement.
Lower churn.
Stronger recurring capital flows.

CONTACT US

Duolingo made language addictive.


Perkly makes wealth-building addictive.

TALK WITH EXPERT
Blue illuminated sign for Personal Banking at night.
A laptop on a reflective black table displaying a digital analytics dashboard with graphs, charts, and data metrics, in a modern workspace setting.

BUILT FOR THE BEHAVIORAL ECONOMY

Perkly is industry-agnostic infrastructure for:

  • Banks & Wealth Managers to stabilize inflows. Increase AUM. Reduce churn.

  • Fintechs, Neobanks, robo-advisors icrease retention. Improve engagement. Differentiate UX.

  • Insurance companies detect lapse risk. Incentivize healthy spending patterns.

  • Employers increase financial wellness. Reduce employee financial stress.

  • Investment & Research get real-time behavioral economic signals.

  • Retailers get wallet share & competitive Leakage Detection

Banks and wealth mangagers are our first vertical. Behavioral intelligence is our platform.

TURN FINANCIAL BEHAVIOR INTO YOUR GROWTH ENGINE.

With Perkly’s behavioral spending intelligence platform, organizations gain real-time visibility into how customers actually use money across connected accounts and payment ecosystems. We detect idle liquidity, recurring spending leakage, impulse patterns, and hidden investment capacity.

Then we gamify smarter decisions, reinforcing better habits and automatically redirecting freed capital into savings, investments, and strategic financial products.

Perkly doesn’t just analyze accounts.

We reshape behavior and turn everyday transactions into measurable growth.

SOUNDS AMAZING?

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EVERY TRANSACTION IS A SIGNAL

Perkly turns it into progress and better habits. Stronger stability. Compounding capital.

We don’t just analyze spending. We reshape it.

CONTAC US TODAY!