Most banks never put their customers first. The reason is that banks don’t profit from looking after your money, they profit from selling you debt. And this is why we have poor products and services for everyday banking that never truly work.
How come banks have such slow and clunky apps that require a million steps to do anything? How come you never know what they are going to charge you for? Because that’s not their business.
The only way to really improve the everyday banking experience and help people with their personal finances is by choosing a business model that allows the financial institution to focus on the customers and build what they actually want.
We believe the way to do this is by charging a simple subscription fee and only profiting when our customers are happy with their money, rather than providing a free service today and profit from your debt later.
We’ve been working on something really exciting and we can’t wait to tell you all about it!
Meet the founders
We are Victor and Cesar, we met while working in Silicon Valley. We shared a common passion for running, but an unusual approach to money and living a happy life is what really brought us together to start this new adventure.
Victor for example has travelled the world living full-time on a van. This meant leaving the comfort of a steady income while working on remote freelance jobs. But this sacrifice was really worth the freedom of living on the road, meeting new people and being surrounded by the splendours of nature.
Cesar founded a start-up called Icebergs. Trained as a designer and with almost no business experience, he decided to invest the savings of his first studio to build a software company. Building a delightful product to help other creative minds was way more rewarding than the steady income of client work.
This can give you an idea of our priorities and how we had to learn to live with an unsteady income. We prioritize freedom, living a fulfilling live and working with people we like over the stability of a monthly paycheck.
Turns out that living with an unsteady income and staying out of debt is much simpler than they’ve made us believe. We are building a new company because we want to help other fellow freelancers like us. Other people who don’t want to put up the time, or haven’t found the right tools to stay on top of their money and stay out of debt.
Announcing Liquid
At Liquid we want to do things differently. Rather than looking at all the features that other apps have and give our customers just a different flavour of what everyone else does, we’ve chosen to go deeper and see what is actually broken.
We think this starts with a subscription business model that is really aligned with our customers. Charging a simple subscription fee will allow us to grow a profitable independent business, and build a truly transparent relationship with our customers. It will allow us to work with them on exactly which are the right features always knowing that our focus is not to profit from unnecessary debt later.
We call this: Upfront banking.
Go to www.helloliquid.com to learn more about our app and stay tuned. Launching on early 2018!
We can’t wait to start working with you and we’d love to hear your feedback.
Victor & Cesar
