Mos
“Can a student-focused scholarship platform become the primary financial institution for the 20 million US college students it aims to serve?”
Founded2017
HQUnited States
FoundersAmira Yahyaoui
IndustryFintech / Neobank
The story
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.
Last 12 months
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Product timeline
2017
Mos launched as an edtech platform to connect students to scholarships, opening access to over $160 billion in financial aid.· pivot
2022
Mos announced expansion from edtech/fintech scholarship platform into a challenger bank targeting the student demographic.· banking
The stack
2 layers disclosed in Mos’s embedded-finance stack
Payments / PSP
Open banking
in the full report
Accounting gap: none
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.