Financial education that changes behavior

Learn to manage money.
Actually change how you use it.

FinWise Academy combines behavioral science, AI-powered coaching, and structured learning to help U.S. adults build real financial skills — not just knowledge.

Start for free See how it works

Pilot users

98%

Satisfaction rate

Core learning modules

9:41●●●

U.S. Credit System

Complete

Credit Card Behavior

In progress

Budgeting Habits

Next up

Continue: Credit Card Behavior →

Weekly streak

21 days

Keep it going ↑

Action task done

12 of 15

80% complete

The problem

Financial illiteracy is a national crisis

51% of U.S. adults lack basic financial literacy. That number hasn't improved in eight years — because most programs deliver information without changing behavior.

136M

U.S. adults lack financial literacy

TIAA Institute / GFLEC, 2025

$243B

Lost annually to poor financial decisions

NFEC, 2024

2×

More likely to be overburdened by debt

TIAA Institute, 2025

38%

Gen Z financial literacy score

GFLEC Index, 2025

How it works

Four steps to lasting financial habits

Unlike generic finance apps, FinWise Academy is built around behavior change — not just information delivery.

Financial behavior quiz

A 6-question diagnostic assesses your credit habits, budgeting practices, and financial goals to generate your personal baseline profile.

Personalized learning path

The platform assigns priority modules and an initial action task based on your quiz results. No generic content — every path is yours.

Learn and act

Short 10-minute lessons end with a decision prompt and a concrete action task. Real decisions, not theory. AI coaching guides you through each step.

Track your habits

Your progress dashboard tracks lessons completed, action tasks done, habit streaks, and confidence over time — making the change visible.

Learning modules

Real financial skills,
built one lesson at a time

Each module connects financial concepts to real decisions you're already facing — and ends with an action task you can do today.

🏦

How the U.S. Credit System Works

Credit scores, credit history, payment behavior, and how your financial decisions affect your long-term opportunities in the United States.

Available now

💳

Credit Card Usage and Behavior

Statement cycles, utilization rates, APR vs fees, payment timing, and how to use cards without letting habits control your finances.

Available now

📊

Budgeting and Recurring Expenses

Distinguish intentional expenses from habitual ones, identify recurring costs, and plan for irregular expenses before they become financial shocks.

Available now

📋

Understanding Fees and Interest

Late fees, overdraft charges, unnecessary subscription costs, and the real price of carrying a balance month to month.

Available now

🎯

Debt Avoidance Strategies

Practical frameworks for evaluating debt decisions, prioritizing payoff, and breaking the cycle of high-interest borrowing.

Coming soon

💰

Savings Habits and Goals

Building consistent savings habits, emergency fund strategies, and how to automate financial discipline into your daily routine.

Coming soon

Pricing

Affordable for everyone
who needs it most

A tiered model designed to balance accessibility for individuals with sustainable growth. Start free, upgrade when you're ready.

Free

Always free

Try the platform and experience the approach before committing.

Limited lessons on budgeting and credit basics

Basic budgeting tracker

Credit behavior quiz

Weekly financial tips

Get started free

Real people. Real financial decisions.

From recent immigrants building credit from scratch to executives rethinking household budgets — FinWise Academy meets people where they are.

"The platform gave me a practical framework for decisions I was having to make in real time, without the benefit of years of experience in the American financial system. As a lawyer, I tend to be skeptical of tools that promise more than they deliver. This one was straightforward, grounded, and genuinely useful."

Leticia S.

International Advisor, White & Case LLP · Los Angeles, CA

"The platform took concepts that felt abstract or opaque and connected them to actual decisions I was facing day to day. I opened accounts with more confidence, made better choices about credit, and started thinking about my financial habits differently."

Inara B.

Ph.D. Student, Columbia University · New York, NY

"I made a number of specific changes over about a year. The ones that stuck were the ones where I could see a clear before and after in how we were spending. What I got out of it was less about the number and more about having a system that makes financial decisions easier to evaluate."

Thiago A.

President, TT Investment Group · Orlando, FL

Institutional partners

Bringing financial education
to communities that need it

FinWise Academy is exploring institutional partnerships with organizations serving immigrants, students, and financially underserved communities across the United States.

Champion Christian College

Serving approximately 1,500 immigrant students in its Church Ministries program in Hot Springs, Arkansas, many adapting to financial life in the United States.

Education · Hot Springs, AR

Family Church Orlando

Pastoral community serving immigrant families in Orlando, Florida. Exploring FinWise Academy as a practical financial education resource for families building their lives in the U.S.

Community · Orlando, FL

BrazilPays

Payment and financial services company serving Brazilian and Latin American clients across Florida and other U.S. states. Evaluating FinWise Academy as a client education resource.

Financial Services · Florida

About the founder

Marcelo Augusto Falciano

Founder & CEO, FinWise Academy LLC

Built by someone who has studied, taught, and scaled financial education

FinWise Academy was founded by Marcelo Falciano, whose career has been dedicated to the intersection of education, behavioral change, and financial literacy — across two countries and over a decade.

🎓

Master of Arts, Teachers College, Columbia University (2024)

Instructional Technology and Media. Merit scholarship recipient. Pilot study conducted during OPT period: 55 users, 98% satisfaction.

📄

Peer-reviewed publication in financial behavior (2014)

"Effects of Credit Card Usage on Young Brazilians' Compulsive Buying," Young Consumers, Emerald Insight. Co-authored with research supervisor at FGV-EAESP.

🏢

Director & Partner, Geekie (2013–2022)

Led a 12-person team growing Geekie from 54 to 214 schools and $1.5M to $21M in revenue. Youngest Partner in company history.

🏫

Financial educator, BrasilPrev (2011–2013)

Delivered 40 financial education sessions to 5,000 students on behalf of Brazil's largest private pension company. 94% satisfaction rating.

Learn to manage money.Actually change how you use it.

Financial illiteracy is a national crisis

Four steps to lasting financial habits

Real financial skills,built one lesson at a time

How the U.S. Credit System Works

Credit Card Usage and Behavior

Budgeting and Recurring Expenses

Understanding Fees and Interest

Debt Avoidance Strategies

Savings Habits and Goals

Affordable for everyonewho needs it most

Real people. Real financial decisions.

Bringing financial educationto communities that need it

Built by someone who has studied, taught, and scaled financial education

Master of Arts, Teachers College, Columbia University (2024)

Peer-reviewed publication in financial behavior (2014)

Director & Partner, Geekie (2013–2022)

Financial educator, BrasilPrev (2011–2013)

Start your free account today

Learn to manage money.
Actually change how you use it.

Real financial skills,
built one lesson at a time

Affordable for everyone
who needs it most

Bringing financial education
to communities that need it