Europe
30%
of people in the EU cannot face an unexpected expense.
Eurostat, EU-SILC 2024. 29.2 % in 2025.
Think TwiceTalk with your money. Then keep it.
Why this matters
One in three Europeans cannot cover a surprise bill. Small payments are why.
How we solve it
A coach in your bank's app, and a lock that makes you pause before you pay.
The phone on the rightbelow is the app. Try it: tap "Next payment" and double-press the side button to pay, or ask the coach a question.
Finland
1in 4
Finnish households could not cover a surprise bill of about 1 200 € without borrowing.
Statistics Finland, 2021.
How it adds up
2 866€
a year. Not the rent: ten restaurant payments a month.
One customer in S-Bank's synthetic dataset: 238,84 € × 12.
Built for S-mobiili
3,5M
S-Bank customers. Built to run inside S-mobiili.
S-Bank's challenge brief, Junction 2026. A prototype, not yet part of S-mobiili.
Set up in a minute
Three steps. Your bank does the sign-in.
- Connect your bank.You approve on the bank's own page. Think Twice can read payments and cannot move money.
- Choose how strict.One slider, from "Broke by Friday" to "Financially Free". It shows what the lock would have saved you last month.
- Add the card.Payments on this card can be locked. Your bank card stays as it is.