Pluto Money is the future of mobile banking for Generation Z, backed by Techstars and Barclays. Gen Z is already turning 24 in the workforce, will account for 40% of US consumer spending by 2020, and is very different from past generations. Yet they're financially underserved or ignored by banks and fintechs. Pluto's mobile platform uses behavioral economics and AI to guide and optimize how Gen Z reaches their financial goals, starting in college and growing with them over time. Pluto recommends fun, attainable actions called challenges (i.e. spend less challenges) that users can take towards their goals (I.e. saving goals). These challenges are tailored to their finances, and savings can be moved into Pluto’s FDIC-insured account. Users can also anonymously compare their finances with similar peers and do challenges based on that. Finally, users get practical tips, hacks and deals that actually help them spend, save and earn better. Since late 2017, Pluto has helped tens of thousands of students from 300+ U.S. colleges become happy savers and smart spenders.