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Design your own future with banking technology

September 20, 2016

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Are you the person you want to be?

I hope your answer is “Yes!”  But I suspect a lot of people will say “no” or will have no answer at all. They are busy working day and night to pay their bills. They don’t have a minute to think about such a purely philosophical or seemingly impractical question.

Whether you can answer this question or not, each day you make hundreds of decisions, big and small, that define the person you are. You decide to go to the movies with your daughter to watch Zootopia this weekend, this defines some small part of you. You want to spend your vacation in Paris this year, this is also part of you. And, if you want to buy a new Prius, this is you as well.

Wouldn’t it be interesting to make a conscious, proactive choice about who you want to be in the future and actually receive the help you need to get there?

At Varo, we want to help you be you!

What we all do, or don’t do, on a daily basis is often a function of money. In this way, money can exert a frequent, albeit invisible, influence on who we are. While personal identity is not an area  in which we often think about banking technology, what if banking services could help you become who you want to be financially and achieve the things that are important to you? What if banking services could create a comprehensive picture of your financial activity, recommend the best ways to save and spend money, and help you set and achieve your personal financial goals? What if your bank account could actually help you get financially closer to the “you” you want to be?

How would that be possible? Through the use of technology! With Varo, you will be able to access the data that is fragmented across the multiple financial institutions you use. Powered by data science and machine learning, Varo will be able to put together these fragments, combine them with your own goals, help you understand your current habits, and work with you to get to where you want to be financially. Varo will help you construct a mosaic of a financial future designed by you, for you.

Technology – from logic to emotion.

Technology is not just about processing data. Take a look at today’s technology landscape and you will notice that technology is moving from logic to emotion. Microsoft, Oracle, Google, … they deliver products that solve logical problems. But younger companies, Facebook, Twitter, Instagram, Slack, … they deliver products that generate emotions, enable exchanges, and create connections.

 Take Netflix for example. At its core, it provides basically the same service as an on-demand cable subscription--access to television and movies without the constraints of a program schedule. However, when Netflix recommends a great new movie or TV show that you normally never would have watched, doesn’t that feel good? As Netflix learns more about your movie and TV preferences, your viewing experience becomes much more personal and much more than just simply watching a movie. This is what technology can provide.*

“Varo technology is designed to help define who you are financially and help you live your unique life the way you want”

Modern technology has evolved beyond purely rational and logical features. Successful technology must now understand users, personalize their experience, and also make them feel good.

At Varo, we carefully design our data and systems to understand our customers so that we can offer them the financial insights they truly need. Varo technology is designed to help define who you are financially and help you live your unique life the way you want. What could feel better than that?

So join us on our journey and help build Varo by going to and signing up for Early Access to our beta today!

I am a co-founder and the Chief Technology Officer at Varo. I am thrilled to be part of this team. Send me an email if you want to learn more about our technology or want to join our fantastic Engineering team - [email protected]


*All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this Varo. All rights reserved.

Image credit: Dayne Topkin

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