The next thing in fintech
Let us make everyday life a little BEDRE
An AI-driven app that gathers your entire personal finances — and makes sure you get more room in your budget and the best deals available.
Investor pitch · 3 min
The problem
30.0billion NOK
is lost every year by Norwegian households to wrong interest rates, expensive subscriptions and power plans. Personal finances are fragmented, manual and forgotten.
Mortgages
never renegotiated
Power
the wrong plan
Subscriptions
forgotten and unused
Insurance
overlap and doubling
Banks
spread across 4–8 apps
Documents
in a drawer
The product
AI assistant and life modules in one dashboard
Mortgages
Continuous renegotiation across all banks
Power
The right plan, every month
Insurance
Uncovers overlap and double coverage
Subscriptions
Catches the ones you forgot
Savings
Room in your budget, put to work
Documents
Terms read and interpreted by BEDRE AI
How it works
01
Log in with BankID
No forms, no registration. Verified identity in under ten seconds.
02
We fetch everything automatically
Loans, income, debt and property value are pulled from banks, Altinn and the Tax Administration — with your consent.
03
The agent negotiates for you
Your application is sent to several banks at once, and offers are ranked by actual monthly savings.
04
Better terms, lower price
One tap switches your deal. BEDRE keeps monitoring and renegotiates every quarter.
Market and model
A market worth 30+ billion a year
TAM
2.5M
Norwegian households
SAM
1.2M
digital, bank-active
SOM (3 yrs)
180,000
paying users
Subscription
99 NOK / mo
freemium to premium
Referral
Commission
bank, power, insurance
B2B partner
License
banks and brokerages
Average ARPU target of 480 NOK/year · CAC paid back in under 9 months.
The road ahead
The road to 180,000 users
Q4 2026
MVP and 500 beta users
Q1 2027
Launch — 10,000 users
Q4 2027
50,000 users
2028
Nordic expansion
The raise
3.5MNOK for 35%
Company valuation of 10 MNOK. Developers are already working towards vesting and option agreements. The capital goes to marketing, go-to-market and launch.
Join us in making the Nordics a little better
petter@bedre.ai