SJ Mobile Labs (Habitto) — Habitto is a Japanese fintech startup founded in late 2021 by CEO Samantha Ghiotti and co-founder Liam McCance. The company aims to assist individuals without a financial strategy by offering a digital platform that integrates savings, investments, and insurance services. Habitto's mobile app provides a savings account with a 0.3% interest rate on deposits up to ¥1 million, accompanied by a Visa debit card. Additionally, the app offers free financial advisory services, including personalized money plans and real-time consultations via chat and video calls. The company plans to use this capital to expand its digital banking platform and develop new financial products tailored to young customers in Japan.
The market for this leadership
Live MitchelLake intelligence across Fintech and Asia.
Adjacent signals across Fintech
Capital Raising · Asia
Mynt →Mynt, operator of GCash (Philippines' largest fintech superapp), secured board approval to file registration statement for initial public offering (IPO).
Product Launch · Asia
Fime →Fime launched FACT (Framework for Agentic Commerce Trust), a neutral trust layer for verifying, monitoring, and governing autonomous AI-driven transactions in payments.
Restructuring · Asia
UP Fintech →UP Fintech (owner of Tiger Brokers) received US$60 million in penalties and confiscation orders from China Securities Regulatory Commission (CSRC), indicating regulatory compliance failures and likely organizational restructuring.
Restructuring · Asia
Stable Finserv →AMFI imposed a 6-month ban on Stable Finserv from distributing mutual funds until November 2026, likely due to advertising or documentation violations. This regulatory restriction significantly impacts the company's core business operations.
Product Launch · Asia
FOMO Pay →FOMO Pay, Singapore-headquartered fintech payment institution, is launching DuitNow QR acceptance in Singapore ahead of the RTS Link infrastructure project opening in January 2027. This enables cross-border payments between Malaysia and Singapore, targeting the expected 40,000 daily passengers on the new transit link.
Strategic Hiring · Asia
Finastra →Finastra is positioning itself as a thought leader in APAC payments transformation, with Arun Kini as Managing Director for Payments APAC, indicating strategic focus on real-time payments and cross-border payment infrastructure
