About Cence

Cence is a FinLife company, building an intelligent personal finance platform that helps people make better financial decisions based on how they actually spend and save more through their spending habits. Our focus is not on changing how you spend, but on helping you spend smarter.

People today manage multiple cards, offers, loyalty programmes, and merchant banking operations, each operating in isolation. This fragmentation creates friction for people with minimal financial knowledge. Cence exists to address this problem.

We believe financial decisions should not be complicated. No need for spreadsheets, constant comparisons, or endless research just to make everyday spending choices.

What Cence Does

Cence works alongside banks, cards, and existing payment infrastructure. It does not replace them.

The platform analyses spending habits, behaviour, and intent in real time to guide better decisions at particular moments. The app also helps identify the most suitable card for a transaction, showing the relevant offer or highlighting nearby merchants to get the greater value.

Our sole objective is to reduce financial friction while maintaining the spending behaviour of the users.

The Intelligence Layer

Cence connects consumer behaviour and merchant intelligence into a unified decision layer.

As interactions increase across the platform, the system continuously learns and improves to provide better and more personalized recommendations to the users. Instead of leaving users to manually compare cards, offers, and merchants, Cence brings this information together and makes it usable. Here is how the intelligence system benefits the users:

Better card usage

Cence helps identify which credit card performs better for specific types of spending. Over time, this reduces situations where a card is used out of habit rather than for advantage. Users save more through cashbacks, rewards, or other benefits.

Relevant offers, not generic discounts

Rather than spamming the user with all the deals in the market, Cence focuses on offers that align with actual spending behaviour and the context of the user.

Smarter decisions with less effort

The app aligns spending behaviour with card benefits and merchant offers to help make smart financial decisions every day.

What would normally require manual comparison across apps, websites, or bank pages, Cence simplifies it to get the most out of your money spent.

Who Cence Is Built For

Cence works alongside banks, cards, and existing payment infrastructure. It does not replace them. The platform analyses spending habits, behaviour, and intent in real time to guide better decisions at particular moments. The app also helps identify the most suitable card for a transaction, showing the relevant offer or highlighting nearby merchants to get the greater value.

Our sole objective is to reduce financial friction while maintaining the spending behaviour of the users.

For consumers

Cence helps reduce the confusion and missed opportunities in everyday spending.

For merchants

It is a platform to reach customers with high-intent engagement that drives real results.

For partners:

It provides a structured way to connect financial products with real-world usage.

What inspires us?

Cence is inspired by the idea that financial intelligence should make spending decisions easier, not more complicated.

We’re starting with spending, but our ambition is to build a comprehensive financial engine that helps you make better financial decisions that help in saving more, with personalized insights.

The goal is not to change how people spend, but to ensure that they get the most value for every penny spent.

Start Spending Smarter. Download Cence

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Frequently Asked Questions

To claim an offer, simply click on it and follow the instructions. Some offers require you to scan a QR code at checkout, while others may need you to tap 'Redeem' in the app.

Yes, many of our offers are exclusive partnerships with merchants, providing you with special discounts and deals that may not be available elsewhere.

We regularly update our offers page with new deals from various merchants. Check back frequently to discover the latest promotions and exclusive discounts.

Yes, most offers have expiration dates. Make sure to check the terms and conditions of each offer and redeem them before they expire.

This depends on the merchant's terms and conditions. Some offers can be combined, while others may be limited to one per transaction. Always check the offer details before making a purchase.