Why Canapi is Investing in SavvyMoney

Don’t Stop at the Score

Open your mobile banking app and you’ll likely see a small tile offering a glimpse of your credit score. At many institutions, it’s among the most viewed modules in digital banking, a reflection of how central financial wellness has become to the customer experience. In fact, 75%of consumers say they want to check their credit score directly from their trusted financial institution, not through yet another third-party login.

And yet, for all its popularity, most credit-score tools stop there. They tell customers where they stand but not what to do next. They don’t connect to personalized offers, guide users toward better financial decisions, or help institutions translate engagement into deeper relationships.

For financial institutions trying to modernize their digital experience, that’s a missed opportunity, and one hiding in plain sight.

When Credit Scores Get Smart

It’s this realization that led us to SavvyMoney, a platform that transforms a simple credit-score check into an ongoing exchange of insight and opportunity between consumers and their financial institutions.

Every time a customer checks their score, they’re signaling something: curiosity about their financial health, readiness to borrow, or simply a desire to feel in control. SavvyMoney captures that moment and turns it into a two-sided opportunity. For consumers, it’s a gateway to understanding and improving their financial well-being. For financial institutions, it’s a powerful new signal that drives engagement, lending, and growth.

SavvyMoney bridges a critical gap between financial education and financial outcomes. Consumers can view their credit score, monitor changes, and simulate how everyday actions (like paying down a balance or refinancing a loan) might impact their credit standing. Behind the scenes, SavvyMoney’s analytics engine then turns that engagement into intelligence. Each interaction helps financial institutions better understand their customers’ financial health, identify lending opportunities, and deliver timely, personalized offers within the digital experience.

SavvyMoney’s deep integration into lending and core banking platforms extends that intelligence even further, streamlining the loan, deposit, and account-opening process. By connecting personalized offers directly to application and fulfillment, the platform delivers a frictionless experience for both the customer and the institution, all supported by embedded analytics tracking.

The results are measurable on both sides. SavvyMoney users see meaningful improvements in their credit health, with average score increases of more than 60 points. For financial institutions, the platform provides a data-driven channel for acquisition, retention, and cross-sell, helping them compete on par with the largest banks while deepening customer relationships. For example, several institutions have found that customers who use SavvyMoney are 2.3x more profitable to the institution than those who don’t, driven by stronger engagement and targeted lending opportunities. This data-driven approach transforms what was once a passive feature into an active growth channel.

Credit Where Credit Is Due

SavvyMoney didn’t just build a product. It built a presence.

Today, the platform is integrated with more than 45 digital banking providers and serves over 1,500 financial institutions across the country, making it one of the most widely adopted financial wellness and data intelligence platforms in the market. This scale reflects more than strong distribution; it’s evidence of deep product–market fit and years of earned trust from banks, credit unions, fintechs, and digital-banking partners alike.

That trust came through clearly in our diligence. Across conversations with financial institutions in and outside of the Canapi Alliance, the feedback was remarkably consistent: SavvyMoney delivers. Institutions praised the company’s ease of integration, responsiveness, and measurable impact on engagement and lending growth.

The culture of excellence starts with JB Orecchia, SavvyMoney’s CEO and one of the most respected leaders in consumer credit. Before joining SavvyMoney, JB helped build FreeCreditReport.com, pioneering online access to credit scores and financial education long before it became standard. His career has been devoted to uplifting consumers, and under his leadership, SavvyMoney has grown into one of the most trusted names in financial wellness.

He’s surrounded by an accomplished leadership team of veterans who have scaled fintech platforms, partnered with financial institutions, and delivered consistently for customers. Together, they’ve built a company defined by reliability, partnership, and results.

That partnership mindset extends far beyond product. SavvyMoney provides hands-on marketing support through regular webinars for financial institutions and access to a library of more than 13,000 co-branded marketing assets. This white-glove approach makes SavvyMoney an extension of its clients’ teams, ensuring they see lasting impact from the platform.

Where We Come In

SavvyMoney represents exactly the kind of company Canapi was built to support: one that helps financial institutions strengthen relationships with their customers through operationalized data, deeper engagement, and tangible ROI. Long before our investment, SavvyMoney was already delivering on that mission, empowering banks and other institutions to turn financial education into action and improve credit outcomes for millions of consumers. Our partnership is about helping them do even more of what they do best.

Through our network of over 70 financial institutions, sector expertise, and hands-on support, we help proven platforms like SavvyMoney scale faster and reach further across the financial ecosystem. Today, more than ten members of the Canapi Alliance are already SavvyMoney customers, a number we expect to grow as financial institutions continue to prioritize data-driven engagement and personalized digital experiences. With SavvyMoney’s scale, proven impact, and deep alignment with our LP base, we see a meaningful opportunity to help extend its reach and accelerate its next phase of growth.

We’re grateful to JB Orecchia and the entire SavvyMoney team for the opportunity to partner in this next chapter, and we look forward to helping them deliver value to millions of customers.