Monay: Birikim & Para Yönetimi

Monay is a smart money management app that simplifies money management; it guides you through credit card debt, budget planning, expense tracking, saving, and accumulation.

It empowers you to take control of your money. It simplifies complex financial concepts.

Based on the knowledge and experience accumulated since 2010 by Financial Literacy Pioneer Özlem Denizmen, known for her saying "He who manages his money, manages his life," as well as the methodologies of Prof. Dr. Zuhal Baltaş, who applies the behavioral science-based "Nudge" approach, and BJ Fogg, a world-renowned expert in habit change, Monay is designed for anyone who wants to manage their life consciously.

WHAT'S IN MONAY?

CREDIT CARD STATEMENT ANALYSIS

Upload your credit card statement and get a detailed analysis.

• See your wants-needs spending

• Recognize your interest burden

• Discover areas of unnecessary spending

• Get personalized improvement suggestions

Reducing credit card debt is now more systematic and conscious.

CREDIT CARD DIET PROGRAM

With a special 21-step program:

• Transform your spending habits

• Gain financial discipline with daily tasks

• Climb the leaderboard

• Reach the reward

Learn, collect points, and win cash prizes.

LEADERBOARD AND REWARDS

Every task you complete, every step you finish, and every login to the application in Monay brings you closer to the top. • Complete program steps

• Do daily tasks

• Improve your financial habits

• Increase your points

Users with the highest points at the end of the month win cash prizes. Financial discipline now translates into tangible gains.

BUDGET MANAGEMENT AND EXPENSE TRACKING

• See your income-expense balance

• Track your entire budget on a single screen

• Set goals, make plans

• Increase your savings rate

Budget planning is no longer complicated.

FINANCIAL GOAL AND SAVINGS PLAN

• Create an emergency fund

• Make plans for goals such as vacation, house, car, gold

• Develop small saving habits

• Change unnecessary spending habits

Saving money starts with motivation, continues with a system.

MONAY CHAT – SMART FINANCE ASSISTANT

Ask Monay Chat:

• “How can I reduce my credit card debt?”

• “How can I improve my Findeks credit score?”

• “How can I save money this month?”

Get instant, clear and personalized answers.

TASKS, JOURNEYS, AND REWARDS

• Build financial habits with daily tasks

• Learn step-by-step with journeys

• Earn points, climb the leaderboard

• Capture monthly cash rewards

Financial development is no longer boring.

MONAY CARD

• Spend more consciously

• Take advantage of campaigns

• Follow agreements

• Strengthen your financial control

WHO IS IT FOR? • Those who want to reduce their credit card debt

• Those who want to save money

• Those who want to learn budget management

• Those who aim for financial freedom

• Those who want to gain spending control