Features

Nubo’s Auto Sync securely connects student bank accounts via PSD2, updating transactions in real time. Our categorization engine classifies spend into needs, wants, and custom tags, enabling universities to monitor engagement, surface insights, and deliver financial education with measurable outcomes.

Nubo’s AI Insights convert transaction data into clear guidance. Context aware tips, predictive nudges, and cohort analytics help universities track engagement, identify risk patterns, and target interventions. The AI can deliver gentle roast or polite one liners to motivate users while staying respectful and brand safe. Dashboards compliant with GDPR measure outcomes including savings, streaks, and behavior change to evidence program impact.

NuboCoins turn smart habits into real rewards. Users earn NuboCoins by achieving AI assigned milestones such as savings goals, quizzes, and streaks, then redeem them for discounts and perks at vetted local merchants and campus partners. Universities see higher engagement and measurable behavior change, while merchants gain in app visibility with clear attribution. All processes are privacy first and compliant with GDPR.

Nubo Smart Nudges guide users before and after spending. Our neural network machine learning engine predicts when a user is most likely to binge spend using proprietary patterns across category, time, location context, and history. When risk is high, Nubo sends a timely push notification with a simple alternative or mini goal to steer choices. After a purchase, users receive a brief check in and insight to reinforce habits.