We are excited to announce our latest investment in Monny, an AI-powered startup that helps individuals develop healthier financial habits and avoid problematic debt.
Monny offers a smart, digital money assistant that integrates with users’ bank accounts to provide:
- Real-time financial insights
- Personalized daily nudges
- Proactive, behavior-focused guidance
The platform is delivered primarily as a B2B solution, empowering employers and HR partners to support the financial well-being of their employees.
Monny is led by Olivier van Dijk, who previously founded Finfit.nl. Monny builds on Finfit’s proven foundations and network to scale its impact even further.
Why This Matters
At SI3, we believe that financial resilience is foundational to social inclusion. Financial stress is one of the most common drivers of anxiety, lost productivity, and social exclusion. Yet most solutions intervene too late—after debt has already escalated.
That’s why we invest in preventive and scalable approaches like Monny, which help people regain control before problems deepen.
Our Impact Thesis
Monny aligns with several of SI3’s core impact priorities. It promotes financial inclusion, helps prevent debt-related exclusion, and empowers individuals through behavior change and digital access. By making everyday money management easier, Monny supports people in staying out of debt and maintaining control over their financial future.
Next Steps for Monny
With our investment, Monny will further develop and personalize its platform, expand its product and engineering team, and strengthen partnerships with employers and HR platforms.
