Helping banks to engage Millennials with investments
Spendolater is a white label mobile app that helps partner banks to engage Millennial customers
with sensible investments. Short and long term.

Our Founding Team

Sara Koślińska, Co-founder and CEO. Founded and worked for tech startups in London, Tel Aviv, Warsaw and Singapore. Ex-Rocket Internet. Co-founded Startup Poland in cooperation with Google.
Ka Lim, Co-founder and CFO - over 25 years in the financial services industry in London, New York and Singapore as a fund manager, stockbroker and analyst. Past firms include Schroders, Merrill Lynch, Credit Suisse and JP Morgan. 

Copyright © 2016 Spendolater

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What does the process look like?

With every card transaction by a user, we calculate an agreed amount to be automatically transferred scaled between 20% and 2%, depending on the amount, from the current account at any bank to their investment account at the partner bank and invested into an appropriate selection of low cost mutual funds

What level of integration is required?

The app does not need to be integrated into the partner bank's core banking system and will just need an interface to transfer funds into a predetermined selection of mutual funds

Will this be regulated as an investment advisory service?

As a licensed, white label product, we are operating under the local bank partner’s overall regulatory umbrella. We would consult with the bank on specific local licensing issues regarding what constitutes "advisory services". The base product offering will consist of 4 - 5 funds of passive index funds ranked by risk appetite for the user to select from. Subject to limits based on their self-reported risk appetite profiles, we let them decide which fund(s) to go for themselves.

  • Improving engagement with Millennials
  • Boosting investments into mutual funds
  • Providing a holistic view of a client, including data from outside of the bank, helping credit analysis
  • New cross-selling opportunities
  • Lowering bank's customer acquisition costs and increasing retention rate
  • Helping users to more easily reach their saving goals automatically with small, everyday microinvestments
  • Array of psychological tools to help users stay on track
  • High-quality, holistic and risk-appropriate investment options

How do you get customer data?

Spendolater uses a highly secure service provider that, with full customer permission, liaises with banks to consolidate that customer's data through direct feeds, APIs or web scraping.



Make a transaction on any card and in any bank

2%-20% of this figure is moved from your current account to your investment account

The money is transferred into appropriate, low-cost Mutual Funds

You get closer to your goals and dreams

We’re part of

PL +48 666 267 738
NL +31 6 26 95 47 50

B.Amsterdam, Johan Huizingalaan 763A, 1066 VH Amsterdam, Netherlands