SavvyMoney has secured $225 million in growth funding, solidifying its position as a leader in the financial wellness sector.

The round was led by PSG, with participation from Canapi Ventures and Spectrum Equity, three firms known for backing transformative financial infrastructure companies. The funding will accelerate SavvyMoney’s mission to help banks and credit unions strengthen member relationships through data-driven credit insights, personalized financial education, and smarter digital engagement.

Founded by JB Orecchia, SavvyMoney’s platform blends credit score tracking, behavioral analytics, and predictive recommendations into a seamless experience embedded directly within digital banking systems.

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Bridging the Gap Between Data and Financial Well-being

Over the past decade, fintech has evolved from disruption to collaboration. Rather than replacing traditional institutions, companies like SavvyMoney are helping them modernize from within.

The global digital banking market surpassed $20 trillion in assets in 2024, growing at 8.5% CAGR, while the financial wellness technology market is projected to exceed $2.7 billion by 2028 (Allied Market Research).

Yet, despite these advances, the fundamental problem persists: people understand their finances less than ever. A 2025 LendingTree consumer study revealed that 61% of Americans live paycheck to paycheck, while nearly 43% report low financial literacy.

SavvyMoney’s solution isn’t just a dashboard - it’s an intelligent layer that interprets complex financial data into clear, actionable insights, empowering members to take control of their credit, loans, and debt in real time.

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The Real Engine Behind Fintech Success: Trust Through Transparency

What makes SavvyMoney particularly powerful isn’t the technology - it’s how the company redefines the relationship between banks and customers.

Financial institutions historically relied on products to drive profit: loans, cards, and accounts. SavvyMoney flips that equation, showing that trust itself can be a growth engine.

By embedding personalized credit education into existing digital platforms, SavvyMoney helps banks generate organic engagement while building emotional equity with users. Members stay longer, apply more, and churn less - not because of promotions, but because they feel understood.

And this is where the real founder insight hides.

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The Power of Building Inside the System You’re Changing

SavvyMoney’s rise offers a lesson that applies far beyond fintech: true disruption doesn’t always mean opposition - it means integration.

Too many founders believe they need to stand outside an industry to change it. But history shows the real leverage comes from building within the ecosystem you want to transform. SavvyMoney didn’t try to replace banks; it made them better.

Here’s the deeper takeaway: when your product makes incumbents more powerful, you become irreplaceable.

That’s the quiet truth of ecosystem design. SavvyMoney didn’t need to fight for market share - it gained it by creating new value where friction already lived. Instead of demanding that financial institutions adapt to innovation, it allowed innovation to adapt to them.

For founders, this is the difference between temporary disruption and durable adoption. The startups that survive aren’t the loudest - they’re the ones the market can’t function without.

That’s how you scale silently - by becoming infrastructure.

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Why Investors Are All In

The scale of this round reflects investor confidence in embedded finance as the next frontier of growth. PSG, Canapi Ventures, and Spectrum Equity each have deep roots in scaling B2B fintech, and their backing positions SavvyMoney for nationwide expansion.

According to CB Insights’ 2025 Fintech Trends Report, investment in embedded-finance infrastructure has surged 290% year-over-year, with financial institutions now dedicating 12% of tech budgets to third-party integrations that improve member engagement.

As Canapi Ventures noted, “SavvyMoney has become the operating layer for credit wellness inside community banks and credit unions. They’ve proven that when you combine personalization with partnership, both customers and institutions win.”

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The Broader Market Outlook: Financial Wellness as a Competitive Advantage

The financial wellness movement is reshaping how institutions define growth. In Deloitte’s 2025 Future of Banking Survey, 74% of consumers said personalized financial guidance directly influences which bank they stay with, while 63% linked financial education tools to higher trust levels.

Institutions adopting wellness technology see measurable results. Cornerstone Advisors found that banks offering integrated credit-education tools reported 41% higher engagement and 29% growth in loan applications within a year of implementation.

That’s not a marketing win - it’s a retention revolution. Financial wellness has become the new loyalty program of modern banking.

And SavvyMoney sits right at the center of it.

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Empowering Institutions and Individuals Alike

SavvyMoney’s approach is simple but transformative: equip financial institutions with the same level of intelligence that fintech apps use, but deliver it under their own brand, inside their own ecosystem.

Members get real-time credit tracking, personalized loan recommendations, and access to actionable insights, while institutions benefit from increased deposits, deeper engagement, and stronger relationships.

It’s an alignment of incentives that most industries only dream about - where the user’s success directly drives the platform’s success.

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What’s Next for SavvyMoney

With $225 million in new capital, SavvyMoney plans to expand its analytics capabilities, enhance predictive financial guidance, and deepen partnerships with major digital banking providers, including Fiserv, Jack Henry, and Q2.

The company also aims to expand internationally, where credit visibility and financial wellness tools remain underserved but in rising demand.

Ultimately, SavvyMoney’s vision goes beyond credit scores - it’s about reshaping how people experience their financial lives.

If it succeeds, it won’t just change how banks operate - it’ll redefine how consumers build trust in the institutions that hold their future.

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