SavvyMoney
SavvyMoney helps financial institutions embed credit intelligence into their banking platforms.
SavvyMoney is a B2B fintech platform that enables banks, credit unions, and FinTechs to embed credit score access, credit monitoring, and personalized financial offers directly into their digital banking platforms. Rather than competing direct-to-consumer, the company powers 1,600+ financial institutions to retain customers on their own sites while driving measurable outcomes—customers using SavvyMoney improve credit scores by an average of 66 points, and institutions see 2.3x higher profitability from these users. The platform integrates with 35+ digital banking systems and is differentiated by its focus on underserved community banks, not just enterprise players.
Problem solved
Financial institutions lack embedded tools to provide credit scores and personalized financial insights directly within their platforms, forcing customers to use third-party apps like Credit Karma and missing opportunities for deposit growth and cross-selling.
Target customer
Community banks, regional banks, credit unions, and FinTechs with digital banking platforms seeking to increase customer engagement, deposit growth, and cross-sell opportunities.
Founders
J
JB Orecchia
President & CEO
34+ years in consumer finance and fintech; founded freecreditscore.com and freecreditreport.com; VP of Marketing at Disney Online managing digital marketing, CRM, and analytics.
Funding history
Series Unknown (Minority Investment)
$225M
October 2025
Led by PSG, Canapi Ventures
· Spectrum Equity, TransUnion
Growth
$45M
2022
Led by Spectrum Equity
· TransUnion
Series A (estimated)
$25M
2016
Led by TransUnion
· Tugboat Ventures, New Cycle Capital
Total raised:
$295M
Industries
Pricing
Custom B2B SaaS licensing model. Pricing not publicly disclosed; financial institutions negotiate based on integration scope and user base.
Notable customers
American Airlines Federal Credit Union, PCM Credit Union, BCU, Liberty Bank, Public Service Credit Union, Broadway Bank, 1,600+ financial institutions total
Integrations
35+ digital banking platforms, TransUnion credit data, DocuSign, HubSpot, Google Analytics, Amazon Web Services
Tech stack
jQuery Mobile (Mobile frameworks)
punycode (JavaScript libraries)
Mailcheck (JavaScript libraries)
jQuery Migrate (JavaScript libraries)
jQuery (JavaScript libraries)
Easy Pie Chart (JavaScript libraries)
FitVids.JS (Widgets)
HubSpot Chat (Live chat)
DocuSign
WordPress (Blogs)
Linkedin Insight Tag (Analytics)
HubSpot Analytics (Analytics)
Google Analytics (Analytics)
Facebook Pixel (Analytics)
Atlassian Statuspage (PaaS)
Font Awesome (Font scripts)
Nginx (Reverse proxies)
PHP (Programming languages)
Apple iCloud Mail (Webmail)
Google Workspace (Email)
Cloudflare (CDN)
HubSpot (Marketing automation)
MySQL (Databases)
Linkedin Ads (Advertising)
DoubleClick Floodlight (Advertising)
Google Tag Manager (Tag managers)
Divi (Page builders)
Yoast SEO Premium (SEO)
Yoast SEO (SEO)
Amazon Web Services (PaaS)
WP Engine (PaaS)
Osano (Cookie compliance)
AWS Certificate Manager (SSL/TLS certificate authorities)
WPForms (WordPress plugins)
Wootric (Customer data platform)
Website
Competitors
Credit Karma
Direct-to-consumer model; SavvyMoney embeds credit monitoring within banks' own platforms to retain users.
FICO
Broader credit scoring infrastructure provider; SavvyMoney focuses on end-user engagement and personalized offers for financial institutions.
MX
Data aggregation and account aggregation platform; SavvyMoney specializes specifically in credit intelligence and personalized offer experiences.
Trusting Social
Alternative credit scoring; SavvyMoney integrates traditional credit scores with behavioral analytics and competitor wallet analysis.
Why this matters: SavvyMoney is notable for winning the B2B battle that Credit Karma lost: embedding credit intelligence directly into banking platforms at scale. With $295M raised and 1,600+ financial institutions as customers, the company has proven that community banks will pay for tools that increase deposits, deepen customer relationships, and drive measurable ROI—evidenced by 74% increases in digital applications and 2.3x higher profitability for customers using the platform.
Best for: Community and regional banks wanting to deepen customer relationships, increase digital adoption, and drive deposit growth without building credit intelligence tools in-house.
Use cases
Increasing Digital Application Volume
Banks embed SavvyMoney's credit score widget into their digital banking portals, making it frictionless for customers to view scores and personalized credit offers. American Airlines Federal Credit Union saw $42M deposit growth and certificate dividend increases after launching the platform in 2014.
Cross-Selling Credit Products
Financial institutions use SavvyMoney's analytics on wallet gaps and competitor dynamics to identify high-intent customers for credit cards, personal loans, and other products. Broadway Bank achieved 13% conversion rates and generated $11M in new deposit balances through SavvyMoney-driven offers.
Improving Credit Scores for Underserved Populations
By surfacing actionable credit insights within banking apps, customers take steps to improve scores (average 66-point improvement). Liberty Bank saw Gen Z users improve scores by 349 points on average, creating long-term customer loyalty and profitability.
Driving Young Adult Engagement
Gen Z and Millennial users are underserved by traditional banking tools; SavvyMoney makes credit education and monitoring accessible within their existing banking app. Liberty Bank grew Gen Z/Millennial user base to 39% of active users after implementing the platform.
Alternatives
Credit Karma
Direct-to-consumer free credit monitoring; use if you want customers to access scores on a standalone app rather than embed in your banking platform.
FICO Score Open Access
Basic credit score delivery to financial institutions; use if you need only score access without personalized offers and behavioral analytics.
Experian Consumer Direct
Experian's direct-to-consumer credit monitoring; use if you prefer an established bureau's consumer brand over embedding in your own platform.
FAQ
What does SavvyMoney do? +
SavvyMoney provides a B2B platform that banks and credit unions embed into their digital banking apps to deliver credit scores, credit reports, monitoring alerts, and personalized financial offers to their customers. Instead of customers leaving to use Credit Karma, they access credit intelligence directly within their bank's app, increasing engagement and deposit growth.
How much does SavvyMoney cost? +
Pricing is not publicly disclosed and varies based on the financial institution's size, user base, and integration scope. Interested institutions should contact the sales team for a custom quote.
What are alternatives to SavvyMoney? +
Credit Karma (free, direct-to-consumer credit monitoring), FICO Score Open Access (basic score delivery for financial institutions), and Experian's offerings (broader credit services). SavvyMoney differentiates by embedding within banking platforms rather than operating standalone.
Who uses SavvyMoney? +
Over 1,600 financial institutions including American Airlines Federal Credit Union ($8.6B in assets), Liberty Bank, BCU, and PCM Credit Union use the platform. The customer base spans community banks, regional banks, credit unions, and some FinTechs across the United States.
How does SavvyMoney compare to Credit Karma? +
Credit Karma is a standalone direct-to-consumer app where customers manage their credit separately from banking. SavvyMoney embeds credit monitoring directly into banks' own digital platforms, keeping customers in-app, eliminating switching friction, and enabling banks to cross-sell products. Credit Karma is free to consumers; SavvyMoney is a B2B licensing model.
What makes SavvyMoney different from competitors? +
SavvyMoney's FI-centric approach serves community banks and credit unions often overlooked by big tech; 78% deposit funding rates demonstrate ROI. The platform combines real-time credit scores with behavioral analytics, wallet gap analysis, and competitor intelligence—not just score access—and integrates seamlessly into 35+ digital banking platforms.
Tags
credit monitoring
digital banking
B2B fintech
community banks
credit unions
embedded finance
customer engagement
cross-sell