Case Study: Habitto
How Financial Coaching Led to Record
Engagement & Client Confidence in Japan
Executive Summary
Fintechs face a critical challenge: users have access to financial tools and products, yet many still hesitate to take action with their money due to low confidence, anxiety, or uncertainty - especially in Japan, where over 60% of brokerage accounts remain unused.
To tackle this, Money Mojo partnered with Japanese digital bank Habitto, piloting Japan’s first money behavioural coaching program.
Designed to empower users with confidence to make meaningful financial decisions.
The results speak for themselves:
334% in monthly app engagement
318% growth in user interactions (chat/video)
100% of participants reported greater financial confidence
Perfect 5/5 ratings from users on program relevance, value, and time invested
Advisors rated 4.75/5 for effective delivery
This case study shares how we achieved these outcomes - and highlights how fintechs, advisory firms, and financial institutions, can partner with Money Mojo to build trust and promote confidence with clients, whilst also improving product retention.
For the full case study, visit:
Habitto:
https://www.habitto.com/blogs/money-mojo/
Money Mojo:
https://www.linkedin.com/pulse/habitto-experiment-how-financial-coaching-led-record-engagement-fzxsf
Testimonial from Habitto's CEO
“The challenge is to create quality content and delivery mechanics that engage whilst being scalable and get customers to take action. The latter is the most impactful and challenging - and one we are deeply focused on at Habitto. We believe that combining tech with human interaction can help customers achieve better outcomes. That’s why we chose to work with Sanam to build a pilot program that had many technology features but also required advisor-customer synchronous interactions."
Samantha Ghiotti
CEO and Co-Founder