Universities, schools & institutions need measurable ways to improve financial wellbeing, engagement, retention, and overall student life. Many users lack practical money skills, especially international and first-generation cohorts. Institutions require a scalable solution that reduces financial stress, supports day-to-day decisions, and demonstrates clear impact with data leaders can trust.

Nubo pairs an institutional dashboard with a mobile app where users connect their bank, receive concise AI tips, earn NuboCoins for smart habits, and redeem real local rewards. Merchants gain free visibility and QR attribution. Institutions get anonymized insights to enhance programming, financial literacy, and student life outcomes.

We use PSD2 open banking, privacy-first data practices, and a neural-network nudging engine to guide pre- and post-spend moments. QR redemption enables measurable engagement with campus-adjacent merchants. Dashboards track adoption, savings behavior, streaks, and reward usage to target interventions that strengthen services and student life without exposing personal identifiers.

Launch a pilot in four to six weeks. Week 0–1: scope goals, branding, metrics. Weeks 2–3: technical setup, localization, merchant curation. Week 4: soft launch with ambassadors and comms toolkit. Week 6+: review KPIs, refine nudges, expand cohorts and merchants, and scale across faculties to maximize student life impact.