Like any other resource, the more you look after your money, the more it grows. So what stops the average person from really understanding their monthly money flow?

Money comes attached with psychological, social and cultural pressures that make feeling powerful about your finances more complicated than it needs to be. When your financial situation is spread out across a big range of products - high street bank cards, new fintech cards, credit cards, loans, bills and overdrafts – it makes getting a good assessment of your finances rather difficult.

The single most effective thing you can do to power up your finances is to be honest with yourself about what state they are in. The way we think determines the way we act – and this is certainly true when it comes to our money. Too many of us avoid talking openly about our financial situation – and it adds to the debt problems of hard-working, well-meaning people across the world. We’ve seen the real life benefits for all sorts of individuals when they’ve started to think about their money in a better enlightened way.

We created OSOM because we wanted to inspire people with the type of mindset that better grows money, through expanding your understanding of finance. With our app, you can quickly see all of your assets from one dashboard – so you know exactly where your financial life is - you can see it all in one place.

The big idea is to declutter your money matters, and bundle all of your financial services into one easy-to-use platform.

For example, it’s wonderful to be able to take advantage of all the new fintech offerings in the market – but having yet another bank card just makes things more complex. OSOM bundles all of your cards and accounts into one platform – and provides helpful insights and data about all of it. When you can see all of your money products in one place - you can see how everything flows, where you’re losing money, and where you could be saving more.

OSOM is designed to make it easy to understand your finances, which is why beautiful UX and in-app design was a top priority. Beautiful UX is about more than just aesthetics. It’s about putting the customer and their needs right at the heart of every design choice, demystifying the jargon and elitism of finance, and empowering more people to have control by engaging with their money in a better way. We want our users to move on to advanced financial management skills and start increasing their opportunities - because using OSOM made it easier for them.

The emergence of fintech shakers like Monzo and Bitcoin and other modern offerings has given consumers the freedom of choice – but it also makes for a crowded scene. Many traditional banks are beginning to bundle their services and bring in some of these new services and ideas to compete – but they don't go far enough. With a high street bank, you’re still locked into a particular cluster of services that they can give you – whereas we give you all of it in one place. The neo-banks and fintech startups have certainly forged the way for the re-design of banking – but they often only re-design one aspect of your financial world, so you’re still dealing with multiple companies at all times.

We realised we needed to help people connect traditional bank accounts and their ever-expanding collection of fintech bank cards. OSOM brings them all together in one place. Re-think the way you think about your money so you can take the most advantage of what is out there.


OSOM isn’t a new bank, it simply creates a layer on top of everything. Some say that the future is fintech, but we see it as a bit more nuanced than that. We want to connect the established system with new tech-powered services. The ability to use a variety of financial services for different things with the convenience of an awesome app like OSOM bringing it all together - that feels like the future.

When you place all your bank accounts, credit and debit cards, loans, overdrafts and the rest of it one place, you immediately become in greater control of your money than you were before. We bundle your services together to give you greater financial agency. We provide you with insights and metric analysis so you have a better understanding of your money and greater awareness of why you’re living paycheck to paycheck sometimes.

Financial awareness combined with access to the useful money management strategies is the perfect recipe for financial health. We're incredibly excited to help bring about wider social benefits so that more people can have control over their money, and see the big picture of their finances, thereby realise that they have more money-saving and making potential than they think they do.

It’s all about empowering people to save, to truly understand the role of money in their lives, to look directly at the flow of their finances. OSOM's features are designed to support this, because we love it when even our most financially-savvy customers gain a key insight or idea that changes the way they see things.

OSOM was designed to give you greater clarity, to help you take control of your finances, and make big moves with your big picture. We vote for bringing on an age of ordinary people having a deeper understanding of their money in order to save more, and lose less.

Be part of the revolution! Join OSOM.