WE BELIEVE FINANCIAL SYSTEMS DON’T HAVA A DATA PROBLEM. THEY HAVE A BEHAVIOR PROBLEM.

The global economy runs on transactions.

Every coffee. Every subscription. Every micro-decision. Every swipe reveals behavior.

But most financial systems measure outcomes, not behavior.

They track balances.
They report performance.
They analyze churn.

They rarely influence the decisions that create those outcomes.

Perkly was built to change that.

OUR MISSION: TURN BEHAVIOR INTO CAPITAL AND WEALTH

We exist to transform everyday financial behavior into structured, measurable progress.

Not through lectures.
Not through dashboards.
But through intelligent reinforcement.

We decode real-world spending patterns and turn them into actionable behavioral signals.

Then we gamify smarter decisions, and redirect capital where it creates growth.

Frequently asked questions

THE MISSING INFRASTRUCTURE LAYER.

For decades, financial innovation focused on products:

  • New accounts

  • New cards.

  • New investment vehicles.

But products don’t drive outcomes. Behavior does.

Perkly is building the infrastructure layer that sits between transaction data and financial outcomes.

We combine:

  • Behavioral spending intelligence

  • AI-driven predictive scoring

  • Gamified reinforcement systems

  • Automated capital redirection

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

WHY NOW?

Three forces have converged:

  • Open banking has unlocked transaction data at scale

  • AI enables real-time behavioral modeling

  • Financial volatility is increasing globally

Households are under pressure.
Institutions face rising churn and unstable inflows.
Capital is more fragile than ever.

Understanding behavior is no longer optional.

It is competitive infrastructure.

HOW PERKLY IS DIFFERENT

  • MOST PLATFORMS:

    Categorize transactions

    Send alerts

    Predict churn

  • PERKLY:

    Detects behavioral signals

    Scores financial stability and capacity

    Gamifies improvement

    Closes the behavioral loop

    Redirects capital automatically

BEYOND ONE INDUSTRY

We started in financial services. But Perkly is not a bank feature.

We are a Behavioral Spending Intelligence Platform designed for the broader behavioral economy.

Our platform powers:

  • Banks & wealth managers

  • Fintechs

  • Insurance companies

  • Financial and debt councellors

  • Institutional researchers

Anywhere behavior shapes capital, Perkly belongs.

MEET THE TEAM

Perkly reduce consumption, increase savings and investing.

We champion responsible consumption, supporting the UN’s Sustainable Development Goal 12: fostering sustainable consumption and production worldwide.

JOIN THE MISSION.

We are looking for investors, partners and users to change our buying behaviour to more responsible. Send us a message how do you want to make this happen.