Cleo

London-based Cleo offers an AI consumer-finance assistant that helps people budget, save and manage money through a chatty, personable app.

Rather than dry dashboards, it leans on conversational AI and a distinctive voice to nudge users toward better financial habits. It built a large following, particularly among younger users in the US and UK.

It is one of the more recognizable consumer fintech-AI brands to come out of Europe.