Matters获500万美元预种子融资，打造AI原生银行
斯德哥尔摩初创公司Matters结束隐身状态，完成500万美元预种子融资，由瑞典天使投资人Jakob Johansson领投。该公司计划以固定月费提供日常银行服务，并配备AI顾问帮助用户更谨慎地消费与储蓄，同时把通常由银行保留的卡费、货币兑换费等以返现形式返还客户。公司创始人兼CEO Per Österström于今年4月创办Matters，前Nordnet首席执行官Lars-Åke Norling出任董事长；资金将用于申请牌照、拓展欧盟市场和扩充14人团队，首款消费者产品预计在未来数周上线，但公司未披露将申请何种牌照或首先进入哪些国家。
Matters提出的卖点是把AI理财建议与费用返还结合，Osterstrom称“银行在消费者理财不善时赚得更多”，因此该公司试图以相反的模式切入零售银行。
Matters, a Stockholm startup building an AI-powered consumer bank, has raised $5m in pre-seed funding as it comes out of stealth. Swedish angel investor Jakob Johansson led the round.
Per Österström founded the company in April. He founded Sambla, a Nordic consumer loan broker, in 2014 and sold it to Nordic Capital in 2021.
Matters plans to charge customers a flat monthly fee for everyday banking, along with an AI adviser that helps them spend more carefully and save more. In addition, fees a bank would normally keep, such as card charges paid by shops and currency exchange fees, will go back to customers as cashback.
“Banks earn more when consumers manage their money worse,” said Österström, who is also chief executive.
#Matters#Per Österström#Lars-Åke Norling#Jakob Johansson#Nordnet#Klarna#Revolut#Sambla#Voi