The start of a new year brings fresh motivation. Consumers set goals to save more, reduce debt, improve credit, and feel more confident about their finances. The most popular financial resolutions Americans made for 2025, included saving more money (43%) and paying down debt (37%), and spending less (31%), the Fidelity 2025 New Year’s Financial Resolutions study found.
But good intentions alone aren’t enough. When consumers look for help, they often leave their financial institution behind — turning instead to online tools, calculators, and comparison sites filled with ads, sponsored recommendations, and competing offers.
The result? Lost engagement, lost trust, and lost opportunity.
When Consumers Set Financial Goals, They Often Look Elsewhere
In January, consumers actively search for answers:
- How can I improve my credit score?
- What should my debt-to-income ratio be?
- Can I refinance to save money this year?
- How do I build a realistic budget I can stick to?
Too often, those questions lead them to third-party sites, which are designed to redirect their attention away from you, their primary financial institution.
That matters, because the moment consumers are setting financial resolutions is the moment they’re most open to guidance, education, and action.
New Year’s Resolutions Are a High-Intent Moment for FIs
January isn’t just about fresh starts — it’s about intent.
Consumers are:
- reviewing their credit
- reassessing debt
- looking for ways to save money
- considering refinance or consolidation as rates shift
As interest rates continue to ease, many institutions have a real opportunity to help consumers lower payments and improve financial outcomes — while strengthening relationships and driving growth.
The question is whether that intent stays with you or gets captured elsewhere.
Keep Consumers in Your Experience When It Matters Most
Financial confidence doesn’t come from a single tool. It comes from having clear, connected guidance in one trusted place.
SavvyMoney helps financial institutions turn New Year’s resolutions into meaningful change — directly inside digital banking.
How SavvyMoney Supports Financial Resolutions
1. Start With Credit Awareness
Financial goals begin with understanding where you stand.
SavvyMoney’s Credit Score solution gives consumers:
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real-time access to their credit score
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monitoring alerts that highlight changes
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visibility into the factors impacting their credit
These tools are reinforced by educational resources built directly into the SavvyMoney experience, giving consumers access to trusted guidance whenever they need it.
2. Turn Insight Into Action With Budgeting and DTI Tools
Knowing your score is one thing. Knowing what to do next is what drives progress.
With budgeting tools and a built-in debt-to-income calculator, consumers can:
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see how their debts and expenses stack up
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understand what’s helping or hurting their financial health
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make smarter decisions aligned to their goals
These tools help consumers move from intention to action — inside your digital banking experience.
3. Surface Money-Saving Opportunities at the Right Time
As consumers improve credit and review their finances, opportunities naturally emerge.
SavvyMoney’s Offer Engine helps you:
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identify when a consumer may qualify for better rates
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present personalized, money-saving offers
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capture refinance or consolidation intent before competitors do
Instead of generic marketing, consumers see relevant options tied directly to their financial progress.
The Resolution Advantage: Confidence, Loyalty, and Growth
When consumers feel supported during moments of change, trust deepens.
By keeping financial resolutions inside your digital banking experience, you:
- strengthen engagement
- reinforce loyalty
- position your institution as a long-term financial partner
- unlock high-intent growth opportunities early in the year
Because today, consumers don’t just want tools —
they want guidance, confidence, and a partner invested in their financial future.