What is MoneyScience™?

MoneyScience™ is the first technology to put the power of data science into everyone’s wallet, helping you pay down debt faster, spend money more wisely, and plan your own future, using data-smart solutions that are easy to use.

MoneyScience™ is a new patented system developed by Bright that blends data science with personal finance. 

How does it work?

Just connect your credit cards and bank accounts to Bright and set a few personal goals. MoneyScience™ automatically gets to work. 

MoneyScience™ looks at your spending habits and starts to pay down your card debts, finding the smartest way to manage your payments -- an individualized strategy driven by your own style and your unique needs. 

MoneyScience™ automatically makes payments for you, maximizing your savings and slashing interest costs. Throughout each month, MoneyScience™ withdraws small amounts from your bank account -- typically no more than a cost of coffee. MoneyScience™ uses those funds to tackle your debt (always avoiding late fees). You’ll earn interest on any money we withdraw, at rates typically higher than your bank accounts.

What do you have to do?

The first step is all it takes. MoneyScience™ stays smart and handles everything for you.

When your spending habits change, MoneyScience™ adapts automatically, adjusting your payments accordingly. 

You can check in whenever you like or switch up your goals. Or just sit back and relax. We’ve got your back. 

How can you make the most of MoneyScience™?

MoneyScience™ is brilliant at clearing credit card debt. The average Bright user saves over $900 in interest costs each year and over $55 in late fees. But there’s more to it than that.

MoneyScience™ automatically creates personalized budgets, delivering a clear-eyed view to help with everyday purchase decisions, from home improvements to vacation planning to special splurges. 

MoneyScience™ also offers flexible financial planning, with competitive savings and investment options. For the first time, you can tap into the power of data science to help reach major life events, from home buying to retirement. 

Best of all, whenever your goals shift, our advice shifts with you, automatically adapting to your new needs. No judgments. It’s all tailored to you.

Along the way, MoneyScience™ offers free overdraft protection, so you save on unwanted fees. And if you need help one-on-one, our Bright Geeks are on call 24/7. 

What’s behind MoneyScience™?

It’s a new patented system, built on 32 algorithms with top-grade security, developed by over 120 experts in data science and financial services and tested on over 50,000 users.

Bright’s founders, Petko Plachkov and Avi Patchava, developed the system along with a team that together has drawn from experience at PayPal, Amazon, Google, McKinsey and other groundbreaking companies.