Saving Start Up Ibilly

Founded in 2021, iBilly is a Dutch personal finance and budgeting app that uses AI to aggregate bank accounts, categorise transactions, and support saving goals. The company identified open banking as the critical enabler for European expansion and partnered with Klarna Kosma in early 2023 to access a broad pan-European bank coverage network, which led to a material increase in user engagement. The product remains focused on consumer financial wellness — income/expense visibility and savings goal management — with no publicly disclosed lending, payroll, or issuing products.