For the Architects of Their Future.

In the UAE, your ambition is your currency. But a fragmented financial life creates silent drag on your momentum. Savvy is the Financial Control Tower for those who build, create, and refuse to be slowed down.

The Hidden Drag of Modern Finance

The convenience of Buy Now, Pay Later and digital finance has arrived. But beneath the surface, a new kind of complexity is quietly undermining financial wellbeing across the UAE.

63%

of BNPL users globally juggle simultaneous loans, often from multiple providers.

The explosion of BNPL options creates a fragmented web of payments, making it nearly impossible to track total debt and avoid surprise fees.

64%

of UAE residents feel their financial situation limits their ability to achieve life goals.

Despite a desire for control, underlying financial anxiety is widespread, driven by a lack of clarity and accessible tools for true management.

New Era

CBUAE regulations now mandate BNPL reporting to the Al Etihad Credit Bureau.

Every BNPL payment now matters. What was once invisible now directly impacts your official credit score - a critical shift most are unprepared for. This isn't just inconvenience; it's a structural risk. The lack of transparency means:

This isn't just inconvenience; it's a structural risk. The lack of transparency means:

Hidden Debt Accumulation:Without a single view, users can easily overextend themselves across multiple platforms, turning manageable installments into overwhelming debt.⁴

Missed Payments & Penalties:Juggling different due dates and platforms increases the likelihood of missed payments, leading to late fees and potential negative impacts on creditworthiness.⁴

Credit Score Blind Spots:Most consumers lack visibility into how their daily spending and BNPL usage actively shape their official AECB score, leaving them unable to proactively manage their financial reputation.⁵

Financial Anxiety:The mental load of tracking scattered commitments contributes significantly to financial stress, hindering focus on long-term goals.²

The modern financial landscape demands a modern solution – a single source of truth that cuts through the complexity.

We Believe Financial Clarity is a Prerequisite for Ambition.

We believe your financial life should be a source of strength, not a source of stress. It should be an organized, well-oiled machine that powers your goals, not a chaotic puzzle that drains your energy.

In a world of scattered bills, fragmented BNPL payments, and opaque credit scores, true financial control has become a luxury. We believe it is a right.

We believe that by providing a single source of truth, we can move our users from a state of financial anxiety to one of quiet confidence, empowering them to take bigger risks, make bolder moves, and build the future they envision.

The Path from Financial Chaos to Complete Control

Our method is a simple, four-step process designed to bring clarity, intelligence, and power back to your financial life.

01.

Consolidate &
Clarify

It begins with a single, clear picture. We securely integrate everything—your bank accounts, credit cards, and, for the first time, all your BNPL commitments, and more.

02.

Understand &
Benchmark

Clarity is followed by intelligence. We don't just show you your AECB score; we demystify it and benchmark your financial health against anonymized peers, turning your data into a strategic advantage.

03.

Act &
Improve

Intelligence is useless without action. Our AI engine provides proactive nudges and simulates the impact of your decisions, helping you architect your financial future, not just report on your past.

04.

Reward &
Reinforce

We believe good habits should be rewarded. Our "Golden Period" engine turns the responsible act of paying bills on time into tangible perks, making financial discipline not just easy, but satisfying.

Built for the Reality of Your UAE Financial Life

Generic budgeting apps miss the local nuances. Bank tools are basic. BNPL apps live in silos. Savvy is the only platform designed as a true Financial Control Tower for the modern UAE resident.

The Whole Truth,
Finally.

Savvy is the only app that aggregates your bank accounts, credit cards, AND your commitments across multiple BNPL providers like Tabby and Tamara. No more blind spots. Just a single, complete view of your liabilities.⁴

Your Financial
Reputation, Integrated.

Your official AECB credit score is critical. Savvy is the only platform that integrates real-time AECB score tracking directly into your daily financial management, transforming it from a static number into an actionable insight.⁴

Rewarding Responsible
Habits.

Savvy connects your actions to outcomes. See how managing BNPL impacts your credit score, get AI-driven guidance, and earn tangible rewards for paying on time. We turn good financial habits into a positive feedback loop.

Why Existing Tools Fall Short:

Global PFMs:Powerful but generic. They lack critical UAE integrations (BNPL, AECB), often have unreliable bank connections locally, and their expensive subscription models don't fit the market.

Bank Apps:Convenient but superficial. They provide only a partial view (their own accounts), lack BNPL tracking, and often suffer from poor user experience or inaccurate data (like expense categorization).

BNPL Apps:Effective for payments but inherently siloed. They will never give you a unified view across competitors, creating the very fragmentation Savvy solves.

Savvy isn't just another option; it's the necessary unifying layer for the modern UAE financial ecosystem.

A Multi-Billion Dirham Market at a Critical Inflection Point.

The UAE's BNPL market alone is projected to surpass AED 17 Billion (USD 4.8B) by 2030, driven by massive digital adoption and consumer demand. Savvy targets the heart of this growth.

More importantly, recent CBUAE regulations mandating BNPL credit reporting create an immediate, market-wide need for the exact clarity and control that Savvy provides.³ This isn't just a growing market; it's a market fundamentally reshaping, and Savvy is perfectly positioned to lead.

Your Financial Life, Intelligently Automated.

Savvy is more than an app. It's a system of intelligence designed to work for you, surfacing the exact information you need, right when you need it.

The Control Tower

Your central dashboard. See upcoming bills, BNPL due dates, account balances, and credit score at a single glance It's the daily briefing for the CEO of your life.

The AECB Score Simulator

Your strategic foresight tool. Before you make a major purchase, see its potential impact on your official credit score. Make smarter financial decisions with confidence.

The BNPL Consolidator

Our most essential feature. Finally, a single, automated list of all your Buy Now, Pay Later payments. Never miss a due date or get hit with a surprise late fee again.

The AI Financial Ally

Proactive intelligence that works for you. Get smart alerts for low balances, insights into spending patterns, and personalized recommendations to optimize your cash flow.

Security is Our Architecture.

We understand that connecting your financial accounts requires immense trust. We've built Savvy with bank-grade security and uncompromising privacy principles at its core.

Bank-Grade
Encryption

Your sensitive data is protected with AES-256 encryption both at rest and in transit. We employ the same security standards used by leading financial institutions.

Secure
Connections

We connect to your accounts using read-only access via secure, CBUAE-compliant Open Banking APIs wherever possible. Your login credentials are never stored by Savvy.

Uncompromising
Privacy

Your personal financial data belongs to you. We will never sell your data to third parties. Our business model is aligned with your financial wellbeing, not exploiting your information.

Built to Solve Our
Own Problem.

Savvy was born in Dubai, out of a shared frustration. As founders navigating one of the world's most dynamic economies, we were using every modern financial tool available. Yet, we felt a growing sense of disorganization.

Our financial lives were scattered across a dozen apps. We were tracking BNPL payments in spreadsheets and wondering about the real-world impact on our credit scores. The very tools promising convenience were creating a new kind of complexity.

We realized we didn't need another payment app or another budgeting tool. We needed a control tower.

We built Savvy to be that single source of truth—first for ourselves, and now for you. Our commitment is not to be another silo, but to be the unifying layer that brings clarity, intelligence, and control to your entire financial world.

Join the Movement Towards Financial Clarity.

Be among the first to experience the Savvy platform. Join over [500+] ambitious individuals on our waitlist for exclusive early access and help shape the future of financial wellness in the UAE.

No spam, ever. Be the first to know when we launch.