Bright Money uses AI to close the credit gap

Bright Money is a fintech platform helping middle-income Americans reduce debt, build credit, and access affordable financial products. As a startup, Bright Money needed infrastructure that supported speed, efficiency, and scale from day one.

Working with AWS, Bright Money built a scalable platform that is now supporting over one million users, as well as launching an AI assistant in just three months. This has driven customer engagement and improved product conversions, while advancing Bright Money’s mission to deliver smarter, fairer financial tools to everyday consumers.

Fixing debt with data and AI

Bright Money’s customers face significant challenges, such as multiple loans, high interest, and low credit scores. Delivered as a mobile app, Bright Money provides a solution which combines AI with deep credit insights. The platform matches users with affordable lending products, helps them reduce existing debt, and builds creditworthiness over time.

Speed was non-negotiable

In its early days, Bright Money had one goal: launch fast. As a startup, the company couldn’t afford to spend months setting up infrastructure or building complex systems. It needed to deliver working products, iterate quickly, and serve users at scale, without the technical debt.

“Being a startup, the most important thing was speed. We needed infrastructure that worked for us, not the other way around,” says Varun Kumar Modi, Co-founder and CTO at Bright Money.

Built for speed, not guesswork

Bright Money evaluated multiple cloud providers, but AWS stood out for its mature infrastructure and comprehensive documentation. Crucially, Bright Money’s engineering team was already familiar with AWS, so they could move without friction, learning curves, or delays.

“We didn’t have to waste time figuring things out. We could just build,” says Modi. This familiarity gave Bright Money an early advantage, accelerating product launches and minimizing management overhead.

One million users on a lean stack

Bright Money runs its core systems on AWS, using services like Amazon Elastic Compute Cloud and Elastic Load Balancing. This helped the team scale compute resources dynamically, meeting customer demand without overprovisioning or overspending.

Over six years, Bright Money scaled from zero users to more than a million while keeping operations smooth and maintaining net profitability. Even as the platform expanded, the cloud foundation remained stable and cost-effective.

 “At our scale, cost control is everything,” adds Modi. “AWS gave us the foundation to grow without bloat.”

AI that talks back

The company’s most recent innovation came with the launch of an AI assistant built using Amazon Bedrock. Designed to power two-way conversations, the assistant helps users better understand their finances, stay engaged with the app, and choose the right credit paths forward.

The impact has been significant. 60 percent of Bright Money’s customers are now actively engaging with the product, with higher product conversions contributing to a clear uplift in net revenue. With AWS continuing to support its AI roadmap, Bright Money is expanding intelligently without losing sight of the people it was built to serve.

More than 75% of the startups listed by the 2025 CB Insights AI 100 are building on AWS, and through AWS Activate hundreds of thousands more are accessing tools to grow and differentiate their businesses. AWS Activate is designed for early stage organizations, equipping founders with technical support, personalized guidance, and AWS credits to turn ideas into reality. Apply today to start building with an initial US $1,000 in AWS credits, and discover how your startup can stand out in a competitive market.