pioneering financial
education as a service

Cumulate partners with companies to create bespoke financial education solutions to make their customers wealthier.


Independent financial education brands

Bespoke financial education solutions

Implemented through proven methodology

Funded by a VAP revenue model


  • Course correct the financial future of your customers
  • Nail your key business metrics (↓ NTUs. ↑ Premium, persistency and the lifetime value of customers)
  • Comply with industry regulated requirements like TCF, Cofi and B-BBEE


we’re passionate

About changing lives, and businesses, through better personal financial behaviour.

we’re unique

Whilst developing high-impact content that changes behaviour is an art, what’s as important is how we work with your key players to figure out how we make this embedded solution central to your company culture and strategy. It’s this unique skill set we’re most proud of.

we’re independent

We don’t sell any financial products or services. We sell independent financial education as a service to you, so that you can strategically embed it into your product and service offering.

we’re agile

At the cutting edge of the EdTech and FinTech entrepreneurial ecosystem, we’ve proven we can implement, and scale, our world-class offering at speed.

we cumulate

Our financial education IP, knowledge and expertise with your business needs to deliver measurable value. And then we go all out to meet and exceed targets.


We deliver an answer to a very big problem that is good for business and for people. We quantify this value by the level of customer advocacy we generate.

– Hayley Parry, co-founder

The lifetime value of your customer will increase relative to the value they realise in their lifetime. It’s really that simple.

– Gary Kayle, co-founder

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Tel. 010 203 9377

205 Rivonia Road