“Can a student-focused scholarship platform become the primary financial institution for the 20 million US college students it aims to serve?”
Founded in 2017 by Amira Yahyaoui as an edtech platform helping students navigate scholarship and financial aid applications, Mos built a community of over 400,000 students. In 2022, the company pivoted from edtech into a challenger bank ('neobank') model, leveraging its existing student user base to offer banking products. The company's embedded finance thesis is rooted in serving the underserved student population with financial services that were previously inaccessible to them.
Mos processes payments through Stripe.
Mos connects to bank accounts through Plaid.
The Embedded Finance Index 2026 maps 2 layers in Mos's stack: Payments / PSP (Stripe); Open banking (Plaid).
Mos was founded by Amira Yahyaoui and is founded in 2017, headquartered in United States.
Get a read on where your own stack stands against Mos and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.