Serene

We are building the Infrastructure for Financial Care - empowering banks, lenders, and fintechs to deliver better outcomes for every customer.

Already trusted by leading UK institutions including NatWest, TSB, and Hastings Direct, Serene is delivering measurable impact: up to 9% growth in new lending, £150K saved per £1m in at-risk debt, and the ability to pre-empt harm up to 60 days earlier than existing systems.

Financial risk rarely exists on its own. It is often rooted in deeper human experiences - a mental health challenge, a major life event, or behavioural patterns that traditional systems cannot see. Serene changes that.

By combining behavioural insights, predictive intelligence, and financial data, Serene surfaces early signs of vulnerability, fraud, and financial distress - enabling institutions not just to identify risk, but to understand, predict, and prevent it. This leads to timely, responsible interventions that protect customers and unlock value.

For organisations, this means smarter decisioning, sustainable growth, and reduced losses. For customers, it means personalised support that strengthens financial wellbeing and prevents issues before they escalate. Serene is building the intelligence layer for a healthier, more resilient financial ecosystem.

Backed by Fuel Ventures, NatWest Group, and the University of Oxford - and recognised through innovation programmes with the FCA, Accenture, and TSB Labs - our mission is clear: to create a financial system where wellbeing, protection, and growth go hand in hand.