This economy and those powering it are embracing new rules.

And so are we.

More than 300 million active freelancers – growing to as many as 2 billion by 2035 – power the global, digital, on-demand economy. This economy. And we intend to be the bank that works for them.

This economy

The driving principles of this economy are different from those that defined our industrial past.
Digital technologies have done more than just speed up business as usual; they have shifted the rules of the game — from scarcity to sharing, centralized to decentralized and closed to open networks. Unfortunately, today’s banks and their financial offerings were purpose-built for an industrial economy rulebook that no longer applies.

The new backbone: Freelancers

Banking has fine-tuned financial solutions for the full-time career employee — individuals who could tell you what their paycheck will be for the next 3 years and who will pay it.
Today’s freelancers couldn’t tell you what they’ll earn 3 months from now, where they will source it, and for what work they will earn it.
Assumptions grown around full-time employees are still baked into our financial institutions and the solutions they offer. Meanwhile, freelancers are searching for allies who can help them:
  • Reduce cash flow uncertainty;
  • Access reliable, affordable healthcare;
  • Access capital to take entrepreneurial risk; and
  • Afford skills training to improve their productive value.
A financial system that ignores these needs will inevitably squeeze freelancers out. They will look for support elsewhere.
  • Multiple jobs at once, across countries and time zones;

  • Connects remotely through online market networks;

  • Constantly seeking new opportunities;

  • Builds a career project-by-project;

  • Learns new skills on the job to increase earnings.

  • Single employer career;

  • Works 9-5, enjoys scheduled holidays and steady salary;

  • Access to healthcare, insurance, full-time employee benefits;

  • Works his or her way up within a company to increase earnings.

Banking that emboldens the new ways of work.

Solving the problems facing this economy’s workers means rebuilding banking from the ground up; at Noumena, we understand our role to be as much about financial design as it is about being financial providers.

‘Better off than your parents’ has become a coin toss.

As a new generation enters the workforce, increasingly burdened by student debt, owning fewer assets, borrowing more and yet still embracing the new ways of working, we cannot leave them with a banking system that does not serve their needs.
This economy lives by new rules, and Noumena intends to design the financial solutions needed to realize its potential.
chances of earning more than your parents

We’re looking for partners to build with.

Our team is focused on designing financial solutions that align with the organizing principles of this new economy.

Join us

If you’d like to learn more about Noumena, please get in touch.

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