Cogninance builds AI systems grounded in behavioral economics research. Our flagship product, FIONA, is an AI financial wellness advisor that helps people make better decisions and build lasting resilience.
We are a research-driven startup at the intersection of behavioral economics, cognitive science, and artificial intelligence. We don't predict markets — we optimize the decision-maker.
Every system we build is grounded in peer-reviewed research. Our mission is to translate decades of behavioral science into technology that genuinely improves financial lives.
Every feature grounded in behavioral economics
Natural dialogue over static dashboards
Technology that understands human emotion
Federated learning, GDPR, bank-level security
FIONA is our AI Financial Wellness Advisor — intelligence that cares about your financial well-being. She lives inside your banking app, observes behavioral patterns, detects stress, and delivers timely nudges grounded in science.
Every feature is grounded in peer-reviewed research. We don't predict markets. We optimize the decision-maker.
Identifies present bias, overconfidence, and loss aversion in real-time using NLP sentiment analysis on financial conversations.
Detects language patterns correlated with financial anxiety, triggering empathetic interventions to prevent panic-driven decisions.
Choice architecture powered by Thaler and Sunstein's nudge framework. Reinforces habits through low-friction behavioral interventions.
Forecasts financial well-being 3-12 months forward, shifting mindset from reactive to proactive financial planning.
Semi-autonomous conversational agent that monitors transactions and initiates de-biasing interventions through natural dialogue.
Adjusts recommendations based on income volatility and employment type. Behavioral insights that work across all demographics.
Automatic transaction categorization and instant FRI updates. Know how each financial decision impacts your well-being score.
Bank-level encryption with federated learning. Your data stays secure with full GDPR compliance and PSD2 integration.
Predict potential financial distress 30-90 days in advance. Proactive support before issues become crises.
Unlike static risk questionnaires, the FRI is a dynamic behavioral benchmark. It measures how you actually respond to financial stress — not what you say you'd do.
Buffer adequacy, income stability, emergency preparedness, debt trajectory
Life choice flexibility, financial independence, career change readiness
Discretionary spending insights, life enjoyment metrics, guilt-free zones
Four steps between your current financial habits and lasting behavioral change.
FIONA lives inside your banking application. She connects via PSD2-compliant APIs and analyzes transaction patterns to build a behavioral profile of your financial habits.
Within minutes, receive your Financial Resilience Index across Security, Freedom, and Pleasure. Understand where you truly stand today.
Receive proactive, empathetic nudges through natural dialogue. FIONA adapts her tone and timing to your emotional state and financial context.
Watch your FRI score improve as behavioral patterns shift. Our AI reinforces positive changes through science-backed feedback loops.
Our platform is built on decades of peer-reviewed research in behavioral economics, cognitive psychology, and financial decision-making.
People feel losses 2x more intensely than equivalent gains. Our system detects loss-aversion-driven decisions and reframes choices to reduce emotional bias.
Kahneman & Tversky, 1979Small changes in choice architecture produce outsized behavioral effects. FIONA delivers micro-nudges at the exact moment of financial decision-making.
Thaler & Sunstein, 2008Financial health is driven by behavior, not just income. Our FRI measures perceived security, capacity, and freedom as behavioral outputs.
CFPB Framework, 2015Join the institutions and individuals using behavioral science and conversational AI to build real financial well-being.