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Education loans and personal credit services

Credit Sesame is a US-based provider of education loans and personal credit services. It primarily offers consumers free credit scoring services. Users can instantly access their credit rating information and gain a clear understanding of their loans and debts, enabling them to manage their loans according to their needs. The company's newly introduced robot advisor technology allows users to have conversations and learn about their credit scores and loan status. Additionally, leveraging artificial intelligence, Credit Sesame selects the three most suitable financial products from thousands of options to recommend to users.

Firstly, it helps you accumulate and manage monthly consumer points. This market is already substantial, but consumers often have no awareness of their consumer points, and they are generally unwilling to log in to individual official websites and manually input numbers, resulting in significant waste of resources. However, if businesses design QR codes related to this matter, scanning them would directly reveal the points, which may be favored by consumers.

Secondly, it manages your payments and loans related to bank cards. The newly introduced feature primarily focuses on this aspect, or we can say it draws inspiration from the mature concept of "stop-loss" currently prevalent in the stock market. If a user's monthly expenses exceed a certain limit, the system will provide reminders.

Thirdly, it provides information on mortgage loans, financing, loan rates, and other aspects relevant to you.

The new feature introduced this time allows users not only to apply the concept of "stop-loss" but also to compare themselves with users in similar economic situations. This is not a comparison between individuals, but rather a comparison based on the extensive banking data and calculated industry averages. On one hand, it allows for a clear understanding of others' expenditures, consumption patterns, and savings, providing valuable reference points. On the other hand, it assists you in better planning your daily financial expenses. In addition to the comparison functionality mentioned above, it can help you decide whether to spend more or reduce payments on specific financial products.