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Anjali Kumar, Rosie O’Neill and Donna Wells Bring Revolutionary Social Innovation, Consumer Marketing and FinTech Experience to Happy Money

COSTA MESA, Calif.-- Happy Money, the only financial company innovating at the intersection of psychology and money, today announced the appointment of three new women to their Board of Directors: Anjali Kumar, Rosie O’Neill and Donna Wells.

“We are honored to have such an accomplished group of leaders join our Board,” said Scott Saunders, Founder and CEO of Happy Money. “Today’s financial services providers are not delivering financial products and experiences that cater to people’s happiness. The appointment of our new industry-disrupting Directors will enhance our unconventional approach to finance, and we see them as a driving force supporting Happy Money’s innovation at the intersection of psychology and money to help people live happier lives.”

Anjali currently serves as Chief People Officer and General Counsel for Cheddar, the financial news network live-streamed from the New York Stock Exchange. Kumar was formerly the Head of Social Innovation and Founding General Counsel at Warby Parker and prior to that served as Senior Counsel at Google. She currently serves on the Board of Directors of GloScience Professional, Amplifier, Edible Schoolyard NY and GrowNYC, and has been an advisor to the Malala Fund, IDEO.org and Organize.org. Kumar is currently an Adjunct Professor at Columbia Business School and will release her first book, Stalking God: My Unorthodox Search for Something To Believe In, on January 16, 2018.

Rosie is the Co-Founder and Chief Creative Officer of Sugarfina, a luxury candy boutique featuring a collection of artisan sweets from around the globe. Named to Fast Company’s “100 Most Creative People” list and Goldman Sachs "100 Most Intriguing Entrepreneurs," O’Neill and her team are disrupting the $200B confections space with an innovative approach to product and retail. Prior to Sugarfina, O’Neill served for seven years as Director of Marketing for Barbie at Mattel where she led a $600M global business unit that sold more than 50 million Barbie dolls annually.

Donna is a successful serial entrepreneur, an experienced Public and Private Board Director and an innovator in the financial services, FinTech and cloud software industries. Most recently, she served as the President, CEO and Board Director of Mindflash.com, a leading platform for online training. Prior to Mindflash, Wells had a nearly 20-year career in the financial services industry including serving as the CMO of Mint.com from product launch to company acquisition, as well as senior marketing roles at both American Express and Intuit. Wells’ teams’ work has won multiple Webbys and recognition as a Tech Pioneer by the World Economic Forum in Davos. She has been named a Top 25 Women in Tech to Watch by Accenture and a Marketing Executive of the Year Finalist by the Wall Street Journal. Wells currently serves on the Board of Directors of Boston Private Bank and the Board of Advisors of Mitek Systems.

In addition to Kumar, O’Neill and Wells, Happy Money’s existing board members include Bob Allison, founder of Innovate Partners; Joe Saunders, former CEO of Visa; Matt Wilson, former CFO of Happy Money; and Sean Park, founder of Anthemis Group.

Happy Money is the only financial company that combines psychology and money to help people live happier lives. Happy Money believes in long-term relationships with people, meeting them at every stage of their financial life, and maximizing their happiness along the way. Happy Money is composed of financial services professionals, research and clinical psychologists, data scientists, neuroscientists, designers, and technology experts, all working together to provide three primary experiences: Joy, Payoff and the Happy Money Score.

PR Newswire: https://www.businesswire.com/news/home/20180110005315/en/Happy-Money-Appoints-New-Powerhouse-Board-Members

Happy Money Appoints Three New Powerhouse Board Members

ORANGE COUNTY, Calif.--(BUSINESS WIRE)--As American households face the uncertainty of the current volatile financial climate, more than ever it is crucial that Americans change their relationship with their money. Happy Money®, a fintech building financial tools and services for human happiness, is a different kind of company that is committed to its mission of helping borrowers become savers. As a part of its journey, Happy Money has named Jeff Winner as its Chief Technology Officer. Jeff joins Happy Money and its leadership team to further develop the suite of financial tools, and continue the firm’s commitment to improving members’ lives through human and innovative technology.

“Not only that, but we’re taking a unique approach to product development, leveraging behavioral science in a way that can shift the financial services paradigm to unlock mindful capitalism to improve people’s lives.”

“Throughout every stage of our growth, our mission has remained at the core of everything we do. Jeff is an exciting addition to our team and will be an important part of our future. There are many reasons why Jeff is a good fit for us, the most important being that he believes in our mission and has the insight and ability to help bring more of our vision to life,” said Scott Saunders, CEO and Founder of Happy Money. “Jeff has built an impactful industry reputation as a leading expert in financial technologies. With the new normal of remote working environments and a reinforced digital-first focus, having a Chief Technology Officer of his caliber will help Happy Money continue our design and build of a new financial system with the best interest of our members at its core.”

From his time at leading technology companies such as Twitter and Stripe, to his most recent experience at Goldman Sachs, Jeff has built a career that unites the benefits of Silicon Valley and Wall Street, creating a unique blend that perfectly situates him to join Happy Money. While at Goldman Sachs, Jeff served as the Chief Technology Officer for Marcus, Goldman Sachs’s Consumer Business, and led the development of the Apple Card.

“While much of my career has been working to connect ‘fin’ and ‘tech,’ what brought me to Happy Money is its mission-driven approach to the members,” said Jeff. “Not only that, but we’re taking a unique approach to product development, leveraging behavioral science in a way that can shift the financial services paradigm to unlock mindful capitalism to improve people’s lives.”

Winner joins Happy Money during a time of rapid growth, both within the firm and in its expanding ecosystem. Happy Money recently had a Series D fundraise of $70 million, led by CMFG Ventures that will be used to expand Happy Money’s offerings. Earlier this year, Happy Money also announced a strategic partnership with Teachers Federal Credit Union, which is its sixth strategic partnership with mission-aligned financial institutions.

Throughout this latest chapter of rapid growth, and entering the next chapter with Jeff Winner, Happy Money has remained laser-focused on its mission of Helping Borrowers Become Savers™.

Happy Money® is a financial technology company, delivering digitally-native financial tools and services for human happiness™ through its purpose-driven marketplace between mission-aligned capital and consumers. Happy Money is creating an alternative to the “Sad Money™” system with a connected ecosystem of consumer financial products designed to help borrowers become savers. Happy Money. A Happier Future.™

Backed by leading investors including Anthemis Group, Tencent Holdings and CMFG Ventures, Happy Money has helped over 80,000 members pay off nearly $1.5 billion in credit card debt. Founded in 2009, Happy Money has a diverse employee base of over 270 people and is based in Orange County, California. For more information, please visit www.happymoney.com.

PRESS CONTACT:
Caroline Andrews
Vested
happymoney@fullyvested.com
917 765 8720

Fintech Veteran Jeff Winner Joins The Happy Money Movement™

Happy Money is excited to announce that Joy has been selected as Apple's ever-so-coveted App of the Day.

Apple editors handpick one game and one app that "can't be missed" and deliver it fresh daily in the App Store's Today Tab. Today that pick was Joy.

As part of being App of the Day, Apple Editors provide a write-up as to why they made their selection. See everything they had to say about Joy's unique and fun approach to spending and saving.

"What if managing your finances and stashing away savings were less of a chore and more fun? That’s the question Joy poses—and answers brilliantly."
— Apple

According to Statista, as of last year, there were over 2 million apps available in the App Store, so to be handpicked as the App of the Day is an exciting accomplishment for our team and the Happy Money Movement.

Apple Features Joy as App of the Day

Joy Connects Your Spending and Saving Behavior to Happiness Without the Judgment.

COSTA MESA, Calif.-- Happy Money, the leading financial company innovating at the intersection of psychology and money to help people live happier lives, today announced the launch of Joy – a new iOS app that changes the way people think about, spend and save money through a personalized experience shaped by an individual's psychology and financial behaviors.

Joy and its team of clinical psychologists and neuroscientists recognized a person’s psychological makeup and personality directly affect how they spend and save money. They also found a void in the market — no one had created a product to address this. “Through our research, we’ve heard countless times that talking about money is overwhelming to a lot of people and financial apps out there are one-size-fits-all and naturally judgmental. Joy is the first app that doesn’t judge you, but instead embraces you for who you are and what makes YOU happy,” says Scott Saunders, founder and CEO of Happy Money.

With this new psychology-based approach to money, Joy features bespoke elements specifically designed to drive awareness of how spending is connected to happiness, and to encourage people to build savings with daily savings recommendations. “Joy puts happiness at the epicenter of spending, and for millennials, happiness is the bottom line,” says professor Elizabeth Dunn, Ph.D., Joy’s Scientific Advisor and author of Happy Money: The Science of Happier Spending. “Joy provides an alternative approach to looking at how you spend. It’s not about how much money is in your account, it’s about how much happiness there is in your life.”

Personalized Money Coach: Joy delivers a person-centric experience with an undeniably approachable and non-judgmental tone. To achieve this, Joy’s scientists have developed in-app assessments that identify the user’s financial personality and assign one of four money coaches tailored to fit the specific needs of that individual. Each coach has been designed to support a growing awareness of happiness, spending and saving behavior with the goal of beneficial habit formation.

Buying More Happiness: With Joy, there is a new way to think about spending: spend more on what makes you happy and less on what makes you sad – what Joy calls, “happy spends” and “sad spends.” The app prompts users to rate purchases, helping them recognize spending habits and focus more on what brings long-term happiness.

Free Savings Account and Daily Saves: Joy helps people save more money by providing behavior-based daily savings recommendations as well as a free FDIC-insured savings account. The app identifies a daily savings amount based on income data and spending habits, then prompts the user to make that save via their Joy Savings Account. This actively enables the person to recognize daily savings opportunities and build savings, helping to decrease overall stress, increase happiness, and promote a sense of ownership over their financial future.

The Joy app is free to download for iOS. For more information, please visit www.FindJoy.com.

PR Newswire: https://www.prnewswire.com/news-releases/happy-money-launches-joy-the-first-money-app-powered-by-psychology-300551650.html

Happy Money Launches Joy, The First Money App Powered by Psychology

Happy Money Launches as the Only Financial Company Combining Psychology and Money to Help People Live Happier Lives

COSTA MESA, Calif.-- Today, Payoff announces the launch of Happy Money, a new financial company innovating at the intersection of psychology and money with the goal of helping people live happier lives.

Happy Money is built on the premise that a person’s unique psychology is the best predictor of their financial behavior and key to improving their financial health. Combining psychological data with traditional financial data provides a more complete picture of a person. With this insight, Happy Money’s team of psychologists and neuroscientists set out to develop a more human approach to the delivery of financial products and experiences to help people live happier lives.

“Happy Money is our mission described in two words. It’s the best way to explain what we’re doing and where we’re going. Everything we do starts with people and understanding their unique psychology. We co-develop products and experiences with people, meeting them where they are to help maximize their happiness along the way,” says Scott Saunders, Founder and CEO of Happy Money. Happy Money’s products, Payoff and Joy, both follow this more human, psychology-first model and offer approachable solutions for achieving financial well-being, and ultimately, bringing people more happiness.

Payoff, the loan specifically designed to help pay off credit cards, was launched in 2015. It offers a simple, straightforward and attainable way to eliminate credit card debt. This singular focus has resulted in best-in-class portfolio performance with industry-leading low default rates and an NPS of 82. To date, Payoff has over 11,000 members and has helped people pay off over $175M of credit card debt.

Joy, a first-of-its-kind mobile app, helps people rethink the way they spend and save money through a psychology-based approach that involves rating purchases and daily saving suggestions. The app also offers people a free, FDIC-insured Joy Savings Account. Joy is set to officially launch later this month on iOS and has over 25,000 people on a waitlist to try the app.

In addition to Saunders, Happy Money’s board members include Bob Allison, founder of Innovate Partners; Joe Saunders, former CEO of Visa; Matt Wilson, former CFO of Happy Money; and Sean Park, founder of Anthemis Group.

Additional information on Happy Money can be found at www.HappyMoney.com.

BusinessWire: http://www.businesswire.com/news/home/20171102005481/en/Meet-Happy-Money---Payoff-Unveils-New

Meet Happy Money – Payoff, Inc. Unveils New Name and Brand

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