Why I Built A Finance App for Real People

For millions of people, staff financial applications You just don’t work. They are built for those who seek to invest or optimize spending, not struggling to make final measures. But what happens if you don’t have savings to grow? What would happen if an unexpected bill could mean a Managebeek debt?

I’m not just talking about those with low income. The cost of the living crisis has affected everyone, and the invoices increase both AXY 200%. The cost of credit has increased after the base rate, and essential elements such as food, fuel and rent are now significantly more extent due to inflation.

Even those who were previously financially stretched were stretched. Many of us are immersing ourselves in savings, trusting in credit or struggling to maintain the rise in growing costs. That’s why I started Superfi; An application of personal finance for people who are stretched financial.

Our users depend on credit cards, loans, they now buy pay later and other debt products to overcome the month. Many have less than 500 in savings, which means a single emergency cost, a car repair, a broken apparatus or an unexpected invoice, could incline the issue in a financial crisis.

“Debt is stress, anxiety and insomnia nights”

My co -founder Tom and I did not get to this as strangers looking Market gaps. We had seen firsthand how the debt affects the people who care about us.

Family members, close friends, colleagues. We saw them all fight, not only financial, but emotionally. The debt weighs on mental health, impacts relationships and limits future options.

An early conversation with a close friend in debt stayed with me when they explained. “Debt is not just numbers, it is stress, anxiety and insomnia nights.”

Feelings associated with financial struggles can lead to people feeling completely trapped, hopeless, they are not sure where to turn and lack the right tools to return to normal.

“It’s not about investing or saving for a vacation”

We build Superfi to be the financial security network that needs so many people, but they don’t have. It is not about budgeting a vacation or tracking investments. It’s about getting a Clear image of your financial situation And find real and practical ways to improve it.

The first step is clarity. Superfi connects all your bank accounts, credit cards and loans in one place, so you can finally see a complete and honest image of your financial situation. No more change between applications or lose the invoices, only a simple overview of your money.

But visibility alone is not enough. Superfi helps you identify ways to reduce your expense by identifying reimbursement opportunities, discounts and even verify the eligibility of the social rate.

If you are paying too much for broadband, electricity or other essential invoices, we show you cheaper options on which you may not know.

Avoid debt, not only address it

A key differentiator or superfi is our proactive approach. We focus on preventing financial difficulties before they get out of control, instead of a reactive approach that would usually only intervene after someone has already fallen into arrears.

Staying faithful to this missionWe create something that really makes a difference. Superfi identifies possible financial problems early, alerting it in advance if you run the risk of losing an invoice. This gives you time to take action, instead of being forced to react when it is too late.

Beyond that, we unlock the financial support that people are not aware or. About 70% of eligible people lose the benefits for those who qualify, simply because they do not realize that they can claim them. SUPERFI verifies what is entitled, whether tax reductions, discounts on public service invoices or government financial aid, and helps users to access it with minimal discomfort.

Superfi even reimburses by paying invoices on time. Every time you pay an essential invoice

In time, you get reimbursement to use for edible, transport or even a well -deserved gift.

Making a real difference

Customer comments It shows how vital our mission is. A user Kelly, 48, from Birmingham, had appeared in the debt for years. “Every time I thought about it, my chest was pressed,” he said.

When using Superfi, he discovered that he was eligible for an extra £ 406 for months In government benefits. She changed to a broadband social rate, saving £ 200 a yearand began to use government help to save the scheme, which sacrifices a 50% bond in savings About four years.

Since it was registered, it has bone to verify the application every few days, using the Superfi invoice tracker to keep up to date with the payments. In total, she identified £ 4,872 in additional annual supportmoney that gives you space for breathing and a sense of control over finance again.

Financial recovery must be rewarding.

The financial system should work for everyone, not only for those who already have money. Superfi is not just about helping people avoid debt. Nor is it about jumping to Fintech.

It is about solving a problem that affects millions of people every day, and making possible financial stability for those who have bones overlooked by traditional financial services.

It is also to create a system where more people pay in time, every time, and they do not have to choose between heating their homes or feeding their families.

Because financial recovery should not be a mystery. It must be simple, accessible and simply rewarding. And that is exactly what we are building.

Nick Spiller, co -founder and CPO in Superfi

Nick is a finance specialist who has design roles and products for senior of heroes in the main financial companies, including Wetwest, as well as a consultant for new high growth companies as naked. With a deep passion for Fintech, the product design and user experience, Nick continues to shape innovative financial products that have a real impact.

Learn more about Nick Spiller