Koho offers a better way to bank. By combining modern mobile design and functionality, Koho is aiming to empower millennials to do more with their money. With a Koho card, web app and mobile app, users can do everything they already do with their bank (direct deposit, bill pay, ATM's, CDIC insurance). On top of that we layer a number of features, such as cash flow forecasting, automatic savings, spending insights and real time information, to deliver a modern banking experience to millennials. In order to do this Koho partners with a financial institution, which holds the money, and a processor, which moves the money. This means that Koho is able to offer an enormous improvement to consumer banking without changing any of the underlying infrastructure. The Koho founding team is very strong, with multiple businesses taken from founding to acquisition.