Who We Are

Nubo is a B2B2C AI fintech based in Madrid with a UK registered company. We partner with universities and institutions to improve user financial wellbeing through a modern, mobile budgeting experience that feels simple, supportive, and rewarding.

Our platform connects securely to bank accounts through PSD2 and open banking. It turns raw transactions into clear insights, one line AI tips, and smart nudges that help users make better choices before and after they spend. Good habits earn NuboCoins that can be redeemed for real rewards at vetted local merchants and campus partners through QR redemption. Universities gain a turnkey financial wellbeing solution with engagement analytics and measured outcomes such as savings, streaks, and behavior change.

We design for behavior change, not lectures. Our agentic AI focuses on timely guidance, small wins, and real world incentives that build momentum. Privacy and security are core. We use encryption in transit and at rest, strict access controls, and GDPR compliant data practices. Users stay in control of their data and consent.

Nubo is building a network that benefits everyone. Users get actionable guidance and tangible perks. Universities strengthen engagement and retention while advancing financial awareness and education. Merchants receive free in app visibility and attributed footfall. Our mission is to make smarter money habits feel achievable and even enjoyable, and to do it with the care, evidence, and accountability that institutions expect.