UAE fintech leader KFI Global launches SMARTER. RICHER. BRAVER.—the world’s first app designed to transform Gen Z’s financial identity.
UAE fintech leader KFI Global launches SMARTER. RICHER. BRAVER.—the world’s first app designed to transform Gen Z’s financial identity.

UAE fintech leader KFI Global launches SMARTER. RICHER. BRAVER.—the world’s first app designed to transform Gen Z financial identity, focusing on psychology and habits instead of traditional money tips. The new app, led by founder Marilyn Pinto, guides young users through seven levels of financial empowerment using behavioral science, cost/value tracking, and decision-making tools to measure true changes in confidence and financial mindset.
Unlike standard budgeting apps, SMARTER. RICHER. BRAVER. is built on identity psychology, aiming to change not just financial skills, but the beliefs and instincts that shape users’ choices, aligned with UAE Vision 2031 and Dubai’s D33 economic strategy. The launch coincides with a broader Knowledge and Human Development Authority (KHDA) study on financial literacy, aiming to reshape how Dubai schools approach practical money education. KFI’s app answers this need by helping youth and families move from simply learning “money hacks” to truly internalizing smarter, braver financial habits.
Available now on Google Play and in Early Access on the App Store, the app is part of a phased rollout targeting teens and young adults across the UAE and region.
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