Perkly is a Behavioral Spending Intelligence & Gamification Platform.

We transform transaction data into behavioral signals, predictive scoring, and reinforcement systems that improve financial decision-making and redirect capital into measurable growth.

We don’t just analyze spending.

We reshape it.

No.

Budgeting tools track past activity.

Perkly detects behavioral patterns in real time, scores financial stability and spending discipline, gamifies improvement, and automates capital redirection.

We are infrastructure, not a consumer budgeting interface.

Transaction categorization organizes data.

Perkly extracts behavioral signals from that data.

We detect:

• Impulse patterns

• Liquidity instability

• Recurring spending leakage

• Investment capacity signals

• Behavioral drift

And we reinforce smarter decisions through gamified systems.

Most platforms show data.

Perkly changes outcomes.

Gamification in Perkly is behavioral reinforcement infrastructure.

We turn financial insights into measurable challenges such as:

• No-impulse-buy weeks

• Non-fast-food streaks

• Subscription clean-up quests

• Peer benchmarking

• Investment unlock levels

The goal is habit formation — not entertainment.

Behavior improves.
Capital compounds.

Perkly is industry-agnostic behavioral infrastructure.

Our platform supports:

• Banks & wealth managers

• Fintechs

• Insurance companies

• Employers

• Consumer platforms

• Institutional researchers

Anywhere behavior influences financial outcomes, Perkly creates value.

Perkly addresses structural issues in modern financial systems:

• Customer churn driven by behavioral drift

• Unstable recurring capital inflows

• Financial stress detection gaps

• Low engagement in financial products

• Hidden liquidity leakage

We move organizations from reactive measurement to proactive behavioral influence.

We identify idle liquidity and spending inefficiencies.

Through gamified reinforcement and automated redirection, freed capital flows into:

• Savings products

• Investment vehicles

• Insurance products

• Institutional financial offerings

Behavior becomes structured growth.

No. Perkly is a lightweight SaaS module that can be embedded into your existing digital environment through API and SDK components. No core banking changes needed.

Yes. Perkly operates within PSD2/PSD3 (open banking) frameworks and supports banks’ CSRD and EBA requirements with high-granularity consumption data.

Perkly integrates through secure financial data infrastructure, including open banking APIs where available.

Our platform works with connected account ecosystems and transaction feeds.

Security and compliance are foundational.

Perkly can operate as:

• White-labeled behavioral layer inside partner platforms

• Embedded gamification modules

• API-based scoring engine

We are flexible infrastructure, not limited to a single interface model.

Perkly operates under strict data protection and compliance standards.

We analyze financial behavior patterns, not personal identity.

Security, encryption, and regulatory compliance are built into our architecture.

Three macro shifts make this critical:

1. Transaction data is now accessible at scale

2. AI enables real-time behavioral modeling

3. Financial volatility is increasing globally

Institutions that understand and influence behavior will control retention, stability, and capital flows.

Behavior is the new financial infrastructure.

We are building the operating system for financial behavior.

The future of finance will not be product-centric.

It will be behavior-centric.

Perkly aims to power that shift.

• Daily and weekly app engagement

• Savings rate per customer

• AUM growth from retail segment

• Conversion to investment products

• Customer churn, oyalty and retention

• recurring investment churn

• ESG/CSRD reporting quality

You can reach us via email at support@perkly.app.

Recurring investments automate a fixed rule — Perkly automates behavior.
Fixed monthly plans assume stable income and spending, which rarely holds true in real life. Perkly continuously identifies investable money from everyday spending and idle balances, allowing inflows to adapt dynamically to each user’s real financial situation. This makes investing more sustainable, reduces pauses and cancellations, and increases long-term AUM growth.

Open banking provides access to data — Perkly turns that data into action.
While open banking shows where money sits and how it moves, it does not actively influence behavior or redirect money. Perkly uses open banking data to detect savings opportunities, reduce wasteful spending, and automatically convert freed money into investment inflows. In short, open banking enables visibility; Perkly enables outcomes.

No, Perkly complements and strengthens them.
Perkly operates upstream of recurring investment features by creating the investable money those features rely on. It increases the likelihood that recurring plans remain active, funded, and stress-free. Investment firms keep full control of products and portfolios. Perkly simply feeds them with more predictable, habit-based inflows.