FAQs

Users

  • Nubo makes budgeting simpler and more rewarding. Connect your bank, get clear one-line AI tips, earn NuboCoins for milestones like savings goals and quizzes, and redeem real discounts using QR at local partners.

  • NuboCoins are the app’s in-house currency that rewards smart money habits. Earn coins for milestones and redeem them for perks at vetted local merchants and campus partners.

  • Gym memberships, cab discount codes, cafes, bars, pubs, gadgets, clothing, stays, and travel. Redemption is quick via QR at participating venues.

  • Pre- and post-spend notifications driven by our neural-network engine. The model predicts when binge spending is likely based on proprietary patterns such as category, time, and history, then sends a timely push to steer choices. After purchases, short check-ins reinforce habits.

  • We support a broad set of global banks (including digital) through regulated PSD2 providers. Coverage expands over time.

  • Yes. We use encryption, consent-driven access, and GDPR-aligned practices. You control your connections and can disconnect any time.

  • No. Institutions see only anonymized cohort analytics, not individual identities or account details.

  • We are GDPR-aligned with explicit consent, encryption in transit and at rest, strict role-based access, and regulated PSD2 open-banking providers. Institutions see anonymized cohort insights only. We never sell personal data.

Institutions

  • Nubo is a B2B2C AI fintech for student financial wellbeing. Institutions get an admin dashboard with anonymized cohort analytics. Users get a mobile app with bank autosync, AI insights, NuboCoins, and QR-redeemable local rewards.

  • To measurably improve financial literacy and student life. Nubo boosts engagement, retention, and satisfaction while giving leaders privacy-safe data on adoption, savings behavior, and reward usage.

  • Bank autosync via PSD2, context-aware AI tips and predictive nudges, micro-goals, the app’s in-house currency (NuboCoins), and QR-redeemable perks at vetted local merchants such as cafes, gyms, cab codes, bars, gadgets, clothing, stays, and travel.

  • An admin dashboard with anonymized cohort analytics, engagement signals (logins, streaks, savings, redemptions), tools to identify at-risk cohorts, and evidence of impact for leadership and accreditation.

  • Launch your branded instance, students connect a bank and complete onboarding, AI supports pre- and post-spend moments, users earn NuboCoins and redeem local perks by QR, your dashboard tracks outcomes in a privacy-first way.

  • A typical pilot goes live in four to six weeks. Week 0–1 scoping and branding. Weeks 2–3 technical setup and localization. Week 4 soft launch with ambassadors and the comms toolkit. Week 6+ review KPIs, refine nudges, and expand.

  • Adoption and weekly active usage, savings rates and streaks, wants versus needs shifts by cohort, reward redemptions, and merchant coverage near campus.

  • We are GDPR-aligned with explicit consent, encryption in transit and at rest, strict role-based access, and regulated PSD2 open-banking providers. Institutions see anonymized cohort insights only. We never sell personal data.

  • No. Nubo provides educational guidance and behavioral nudges, not regulated financial advice.

  • A student communications toolkit with email templates, posters, social assets, ambassador scripts, workshop decks, and a first-30-days engagement plan. Technical and success support are included during the pilot.

  • Annual institutional licensing with tiers by student count. Optional add-ons include advanced analytics, custom rewards curation, and SSO. The merchant network is included. Contact us for a tailored quote.

Merchants

  • Reach nearby students with zero listing fees. Nubo sends customers, not clicks. You gain free in-app visibility, QR-based attribution for measurable footfall, and a brand-safe presence aligned with student wellbeing.

  • A place in our rewards marketplace inside a budgeting app students use daily. Students earn NuboCoins and redeem them at partner venues. You provide simple perks such as percent off, fixed discounts, bundles, or time-based boosters.

  • Nubo issues your venue a unique QR. Staff scan or students scan at checkout. Each redemption attributes visits and spend to your location, feeding a performance dashboard with redemptions, repeat visits, and peak times.

  • Listing is free. There are no merchant fees to join the network. You control your offer and can update perks seasonally or for slow periods. However in case you require your own dashboard to control your advertisements & offers, there would be a one time fee which will depend on your future and control requirements. Connect with us to get a quote.

  • Increased student awareness, measurable visits via QR redemptions, and repeat customers as users build budgeting streaks that unlock more NuboCoins. We provide monthly performance snapshots and optimization tips.

  • Usually within one week. Share your offer, logo, and contact details. We provide your QR kit and a short staff guide. You go live in app with featured placement near campus.

  • Simple, instantly valuable perks such as minimum 15% off, fixed-price bundles, happy-hour boosters, or first-visit specials. We can recommend formats based on nearby student demand.

  • We curate and verify partners for quality, relevance, and student-safe experiences. Offers must be transparent and easy to redeem.

  • You see your own performance analytics such as redemptions, repeat visits, and popular times. Data stays privacy-safe. We do not share personal user identities.

  • Yes. We can coordinate ambassador visits, themed weeks, or exam-season bundles. Ask your Nubo contact for a campus co-promotion slot.