Perkly is a behavioural-intelligence layer for banks, investment firms and robo-advisors that gamify and analyses customers’ everyday spending, identifies savings potential, and automatically activates continuous micro-savings and investment flows into the bank’s investment products.

Perkly is built for digital-first retail investment firms and consumer-focused wealth platforms.
We work with organizations that serve individual investors — such as robo-advisors, online brokers, and investment-first retail banks — and whose growth depends on recurring AUM inflows from consumers. Perkly is not designed for institutional asset managers, corporate investment teams, private equity, or venture capital firms.

Perkly connects to customers’ transaction data (via open banking or internal bank data), analyses consumption patterns, and generates personalised insights that gamify and nudge users to reduce wasteful spending and redirect freed-up money into savings, investments, or insurance products.

No. Perkly is not a points or perks solution. It is a banking SaaS product that increases customer engagement, improves financial wellbeing, and drives automatic AUM growth.

• Higher daily engagement in the bank app

• Increased savings and investments (AUM)

• Reduced customer churn

• Stronger ESG/CSRD/EBA reporting with real consumption insights

• Clearer differentiation vs. competitor banks

• Reduce sales and marketing costs

• Better awareness of spending behaviour

• Reduced impulse spending

• Higher savings rate and healthier financial habits

• Simple, automated way to save and invest without complexity

• Lower financial stress and eco-anxiety

Perkly identifies “freeable money” from non-essential spending and nudges customers to redirect a portion of it into continuous monthly saving and investing. Even small amounts compound into significant AUM over time.

No. Perkly is a lightweight SaaS module that can be embedded into your existing digital banking 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.

No. Perkly complements them by adding behavioural intelligence, personalised nudges, and measurable impact, addressing the low-engagement problem of traditional PFM tools.

Traditional campaigns rely on manual sales, marketing pushes, and static calculators.
Perkly is automated, personalised, and scalable, activating savings daily based on real behaviour—not one-off campaigns.

Depending on scope, a pilot can be launched in a few weeks using existing transaction data.

No. All data remains within the bank’s environment or is processed under strict GDPR and bank-grade security controls. No data is ever sold or used for advertising.

Yes. Perkly is designed as a white-label module fully branded under the bank’s visual identity and tone of voice.

• Daily and weekly app engagement

• Savings rate per customer

• AUM growth from retail segment

• Conversion to investment products

• Customer loyalty and retention

• ESG/CSRD reporting quality

Perkly focuses on retail banks, neobanks, regional banks, and investment-only digital banks that want to improve customer engagement and grow AUM without additional sales overhead.

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.