Qapital于2015年成立于美国,目前拥有42万用户,它们在平台上的存款金额已经达到了5亿美元。但Qapital不仅仅只是一款数字储蓄工具。通过应用,公司的Qapital Spending可以通过一张关联的Visa借记卡进行储蓄,它还推出了一款名叫Qapital Weekly Spending Target的预算工具。

帮助它开发投资咨询业务的3000万美元融资来源于Swedbank Robur、Norron、SEB Stiftelsen、Northzone和Athanase几家北欧投资公司。

通过Digit、Acorns、Betterment、Wealthfront和Clarity Money(最近被高盛集团收购),Qapital的方法和工具已经推广到了多个金融服务的垂直领域。


这家公司的执行团队里甚至包括了著名经济学家Dan Ariely,它在Qapital担任首席行为经济学家。Ariely的理论能帮助Qapital在资金管理上建立“规则”和“目标”,具体点讲就是,用户会为自己设立短期和长期的“目标”,并建立一定的消费“规则”来达到这些目标。这些规则包括“每次买咖啡的时候省1美元”和“每次刷信用卡或借记卡时省2美元”等。

正如公司首席执行官兼联合创始人George Friedman在邮件里指出的:“银行并没有为客户提供足够的激励和互动,而且银行无法跟上创企挑战者们的创新速度。”

高盛收购Clarity Money后,Friedman表示,内置财务管理工具的金融产品,消费者的确对其存在着需求。

Qapital, one of a slew of mobile applications trying to make it easier for users to save money (and spend it more wisely), has raised $30 million in fresh financing as it expands beyond savings to offer investment advisory services.

Since its launch in the U.S. in 2015, Qapital has amassed roughly 420,000 users that have saved nearly $500 million on the platform, according to the company.

But Qapital is more than just a Digit -style savings tool these days. The company has also folded in Qapital Spending through a linked Visa Debit Card that works with money saved through the app — as well as a budgeting tool called Qapital Weekly Spending Target.

The company now has designs on the robo-investment market through Qapital Invest, a new product that Qapital expects to roll out before the end of the year.

Financing that push into investment advisory is the $30 million war chest the company just raised from big Nordic investment firms Swedbank Robur, Norron, SEB Stiftelsen and Athanase, with additional participation from the Nordic venture capital firm Northzone.

Qapital’s approach combines tools that have been rolled out into financial services verticals by startups like Digit, Acorns, Betterment, Wealthfront and Clarity Money (which was recently acquired by Goldman Sachs) .

Using certain principles of behavioral economics, Qapital tries to encourage users to save money towards goals and make better financial choices overall.

The company’s executive team even includes the renowned fintech startup whisperer Dan Ariely, who serves as chief behavioral economist for Qapital when he’s not moonlighting as the James B. Duke professor of Psychology and Behavioral Economics at Duke University, and a ?New York Times? best-selling author.

Ariely’s theories helped shape Qapital’s “rules” and “goals” approach to money management, where users set short-term and long-term goals for themselves and then create spending rules to help them achieve those goals. Rules can vary from “save a dollar every time I buy a coffee” to “save $2 anytime I use a credit or debit card.”

“Building personal banking products that people love is hard, and traditional banks to date haven’t done enough to inspire and engage their customers,” said Pa?r Jo?rgen Pa?rson, Chairman of the Qapital Board and general partner of Northzone, in a statement. “Qapital understands that through building a great product that is easy to use and winning its customers’ trust, we will inspire happiness and empower people to meet their goals.”

The new capital should provide some defensibility for Qapital as the industry looks to head into a period of consolidation.

As George Friedman, Qapital’s chief executive and co-founder noted in an email, “banks haven’t done enough to inspire and engage customers, and … banks simply can’t match the innovation speed of start-up challengers.”

With the Goldman Sachs acquisition of Clarity Money, Friedman says,”there is real demand among consumers for financial products with financial management tools built in.”







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