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Gold Member, Data Analytics, B2B Solutions, Savings & Investments


FitMoney is a platform offered to banks and insurers. The platform helps business owners manage their working capital and invest their excess cash. Financial institutions can use the data obtained for sales, automation and building relationships.

FitMoney is an online tool that can be used by business owners to track their business success and cash flows. It is a financial wellness programme for small and medium businesses. The tool is split into four components: a qualitative questionnaire based on academic research and published reports on factors influencing business success (akin to healthy behaviour for consumers such a regular exercise), a quantitative analysis of the financial and cash flow performance of the business (akin to a consumer health screen diagnosis, such as a blood test), goals (set by the client and suggested by FitMoney) and an investment page with a suggested investment approach based on the information provided which can be dynamically changed by the client. The client is provided tailored advice unique to his / her business which can be downloaded for discussion with advisors, bankers or his/her management team.

FitMoney is being sold as an offering to financial institutions.   Our research has shown that small business owners are comfortable sharing their financial data if it leads to them being offered a financial product appropriate to their needs.  Business owners have indicated a very high likelihood of staying with a bank that offers FitMoney, and buying more products from that bank by using the platform.  FitMoney adds to the value financial institutions offer their business clients in a number of ways:

  • a more sustainable client base,
  •  growth in deposits,
  • better credit decisions, including credit granting, pre-approvals and monitoring,
  • data-driven campaigns and events-based selling, leading to better closure rates on sales,
  • more effective use of your relationship management staff.

The platform can be hosted on-site and white labelled, or as a cloud-based solution with three levels of integration:

  1. Immediately start generating deposit growth and improve your business segment value proposition.

  2. Allow the opening of the investment products at the click of a button by integrating with FitMoney Investments.

  3. Allow clients to update and refresh their FitMoney dashboard by pulling data from their bank accounts as a source for the FitMoney performance tests.

The solutions offered by FitMoney are universally applicable. Globally, small and medium businesses struggle with their cash flow management. Also, financial services firms around the world struggle to find the right delivery model for small businesses as solutions do not scale down from the corporate market. FitMoney uses technology, data and automation to provide SMEs access to services previously out of reach due to costs.

FitMoney is a client engagement, reward and financial wellness platform offered to Financial Institutions to enhance their value proposition to small and medium-sized businesses. The business owners are offered the Digital Capital toolkits to manage their cash and set their businesses up for success.

Jan Schoombee, Co-founder and CEO

  • 15+ years financial services experience
  • Expertise in the small, medium and large unlisted business market, business development and the financial services product go-to-market process.
  • Prior work experience at MMI, Visa, FNB, PwC
  • CA (SA), Post graduate diploma in marketing management (cum laude)
  • Email

  • Small and medium businesses
  • Banking
  • Insurance
  • Investments
  • Cash flow management
  • IT integration projects
  • Financial Services value proposition design

Connect with FitMoney

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