Happy Money

🎁 What’s on your tech wish list for the new year? Happy Money’s Chief Revenue Officer Matthew Tomko shares his top #consumerlending hopes for 2025, encouraging #creditunions to embrace tech-enabled solutions that enhance the borrowing experience while also fueling profitable growth. The credit unions that will thrive? Those that are willing to look outside the box—engaging in both traditional originations partnerships as well as participations and forward-flow opportunities that optimize and diversify their balance sheets. Check out more in Finopotamus on how forward-thinking #creditunions are setting themselves up for success next year. 🚀 https://lnkd.in/gMvdSMDx

Happy Money hires the best, most diverse talent with the freedom to work from anywhere in the United States. Grounded in our values of #Love, #Trust and #Hustle, we enjoy the flexibility and efficiency remote work offers, while also prioritizing in-person meetups for strategic planning and relationship building. Recently, we had the opportunity to gather with some of the #HappyMoneyTeam in southern California. We swapped stories, took a swing at some driving range fun, and connected around our mission of helping people use money as a tool for their happiness. Looking forward to more gatherings like these in 2025. And wishing everyone a warm and happy holiday season! ✨

With inflation easing but consumer budgets still strained, financial stress remains a critical challenge. Credit unions have an incredible opportunity to step up with tools and products that make budgeting and cash flow management easier. The key? Seamless, digitally optimized solutions that support members in achieving financial wellness. ✅ Financial management tools ✅ Flexible lending products ✅ Member-first technology When #creditunions provide these resources, they empower members to thrive—even in challenging times. What products and tools are you looking to add to your #lending strategy in 2025? #FinancialHealth #FinancialServices #MemberSupport #HappyMoney

"The consumer finance products and loans we offer today allow consumers to save money and consolidate their debt... (that's) fundamentally a good thing... we help customers live the lives they dream of.” – Matt Potere On today's episode of the #BankadelicPodcast, Happy Money's CEO Matt Potere dives into the top #lendingtrends to watch in the year ahead. Key insights include:   🔑 Lending strategies will solidify post-Fed rate cuts 🔑 Consumers will seek support in debt consolidation 🔑 Risk management and AI will intersect further in 2025 Plus, Matt shares how we are fulfilling the Happy Money mission of delivering affordable, accessible financial tools to improve the lives of consumers and their families. Tune into the full conversation with host Lou Carlozo: https://bit.ly/49xLAzz

In his recent article with The Credit Union Connection, Happy Money's CEO Matt Potere shared how falling interest rates, surging consumer debt, and technology advancements present significant opportunities for credit unions in 2025. Adapting to these four key trends will be crucial for driving growth while supporting members’ financial well-being. From optimizing portfolios to delivering personalized, tech-driven solutions, the path forward is exciting and impactful. 📊 Rate cuts’ influence on lending strategies 💳 Debt consolidation as a top member priority 🤖 Incoporating AI-driven tools in risk management 💡 Digital tools for financially-stressed members Stay tuned as we unpack these trends and how they can shape a stronger future for credit unions. https://lnkd.in/gZD9RkNB #CreditUnions #LendingTrends2025 #FinancialWellness #HappyMoney

🔮 2025 presents a notable opportunity for credit unions, banks and asset managers to fortify their #lendingstrategies and help consumers make a real impact on their #financialhealth and happiness. Check out our piece on CUInsight.com to learn about the trends that will drive financial institutions’ success in the new year: https://bit.ly/4eArrdb

🌟 #MeetOurTeam: Killian Brackey is the visionary Chief Technology Officer here at Happy Money! A software engineer by trade and a true builder at heart, Killian believes that meaningful innovation happens at the core of financial technology—unlocking new functionality while seamlessly integrating partners, customers, and financial institutions. With a deep passion for technology, Killian leads our engineering, IT, and data intelligence teams with a steadfast commitment to delivering financial empowerment for the next generation. Prior to joining Happy Money, Killian co-founded Sezzle where he served as CTO and led the company through a transformative pivot. Under his leadership, Sezzle scaled from a startup to a publicly traded B2B2C fintech platform, delivering short-duration loans and connecting millions of customers, e-commerce merchants, and lending partners. Killian lives with his wife and their growing family in Denver, Colorado. He finds inspiration in the outdoors and spends his free time hiking, experimenting with the latest technologies, or tinkering with anything new: coffee making, sourdough, or the project of the month—driven by an endless curiosity to learn. As a new father, Killian cherishes exploring new adventures with his family while continuing to innovate and build—both at work and at home.  Join us in celebrating Killian’s impactful work at Happy Money as we strive to help individuals achieve their goals through happier lending! #Innovation #Leadership #TeamHappyMoney #HappierLending #Technology #DataIntelligence

📉 What do the Fed’s recent rate cuts mean for credit unions? In Credit Union Times, Happy Money CEO Matt Potere shares why "now is the time for credit unions to reevaluate their lending strategies, ensuring that they are well positioned to optimize their portfolios and deliver strong borrower experiences that meet the needs of today's consumers." Matt offers practical ways credit unions can navigate this economic shift to deliver sustainable financial health for their communities. With rates shifting, how will your credit union adjust to keep providing value to your members? Read Matt's full insights here: https://bit.ly/40BTQfr #LendingStrategies #CreditUnions #FedRateCut #HappyMoney

👋 We have a real treat for our next #MeetOurTeam spotlight: Ashley Utz is the Chief People Officer at Happy Money and has dedicated her career to creating workplaces where everyone thrives and feels empowered to reach their potential. She heads up our People & Culture team, focused on fostering a high-performing culture that drives the business forward as we pursue our mission to empower people to achieve their goals through a happier approach to lending. Sitting at the intersection of business and talent, Ashley enjoys coaching leaders across the company to bring their best selves to work, cultivate diverse perspectives, and help ensure Happy Money’s virtual-first environment remains inclusive and engaging. She brings a deep understanding of the #creditunion movement to her role at Happy Money as well as extensive experience from her previous HR leadership roles at TruStage where she created innovative operating models and led the people side of acquisitions. Beyond her day job, Ashley is a busy mom of three and is deeply involved in her local community in rural Wisconsin. She serves on the board of Badgerland Girl Scouts and is vice president of the board for JustDane, a nonprofit whose mission is to inspire hope for individuals returning to the Dane County community after incarceration—breaking down barriers to full participation in community life and family connections. Join us in welcoming Ashley and her celebrating her commitment to creating a thriving culture at Happy Money! 🚀 #TeamHappyMoney #Leadership #Culture #Empathy #Lending

🌟 #MeetOurTeam Spotlight: Matt Tomko, Our Chief Revenue Officer (CRO)! 🌟 Get to know the newest member of the Happy Money leadership team: Matthew Tomko, our CRO. Matt is a versatile financial services leader with over 25 years of experience across lending, capital markets, credit, collections, and marketing. As the CRO of Happy Money, Matt spearheads the strategy and execution plans that drive sales, increase revenue, and expand markets. He oversees key functions such as marketing, communications, credit union partnerships, and product development—ensuring our offerings are not only profitable but also impactful. 🤝 Matt has a proven track record of building profitable products and driving revenue growth—with deep expertise garnered from roles at MBNA, Bank of America, Sallie Mae, and OneMain Financial, and as Revenue Officer at Mercury Financial. Matt’s entrepreneurial spirit also led him to found Concerto, a venture-backed company that offers cobranded credit cards in partnership with well-known brands and sports teams. As a first-generation American, Matt carries a legacy of resilience with him, having learned from his father’s example of hard work, perseverance, and courage. Outside of the virtual office, Matt enjoys life in Raleigh, NC with his wife, two kids, and two lovable Labradors, Gus and Fletcher. In addition to his passion for travel and coaching ice hockey, Matt stays active with sports like running, golf, and skiing. 🏒 Join us in giving Matt a round of applause for the expertise and dedication he brings to Happy Money. 🚀 Stay tuned for our next post! #TeamHappyMoney #Leadership #Inspiration #Lending #ChiefRevenueOfficer