Our approach
Our mission
Accelerate the financial capability of young people by providing the tools and knowledge to harness the power and potential of money.
Our vision
Future generations of financially confident, capable and resilient citizens thriving in the new world of money.
Designed with intent
The core app functionality in Kit has been designed based on an independent review of research evidence about digital tools. Features like just-in-time 'nudges' and goal visualisation drive positive financial behaviours to build healthy financial habits in your child from an early age.
Friends of Kit
![EY](https://www.heykit.com.au/hubfs/Heykit_August_2023/images/e899c018-08a4-4e03-902f-1fc2e7e7c6fe_EY-1.png)
![x15ventures](https://www.heykit.com.au/hubfs/Heykit_August_2023/images/90837877-01ff-46d7-bb2d-0d1666410094_x15%2Bwordmark%2Bmono-1.png)
![Shaype](https://www.heykit.com.au/hubfs/Heykit_August_2023/images/c0f5901c-ad2a-4c3a-b6a8-83c5369568e8_Shaype-1.png)
![The Behavioural Insights Team](https://www.heykit.com.au/hubfs/Heykit_August_2023/images/9310a33f-7c4b-4494-ba40-794e04324907_The%2BBehavioural%2BInsights%2BTeam-1.png)
![Kidaware](https://www.heykit.com.au/hubfs/Heykit_August_2023/images/5d91e6e3-aba3-49e5-b1bf-f2386ebb72b5_Kidaware-1.png)
![Happy Families](https://www.heykit.com.au/hubfs/Heykit_August_2023/images/19df150e-6597-4e66-8cc4-1949ca6accaa_Happy%2BFamilies-1.png)
![EY](https://www.heykit.com.au/hubfs/Heykit_August_2023/images/e899c018-08a4-4e03-902f-1fc2e7e7c6fe_EY-1.png)
![x15ventures](https://www.heykit.com.au/hubfs/Heykit_August_2023/images/90837877-01ff-46d7-bb2d-0d1666410094_x15%2Bwordmark%2Bmono-1.png)
![Shaype](https://www.heykit.com.au/hubfs/Heykit_August_2023/images/c0f5901c-ad2a-4c3a-b6a8-83c5369568e8_Shaype-1.png)
![The Behavioural Insights Team](https://www.heykit.com.au/hubfs/Heykit_August_2023/images/9310a33f-7c4b-4494-ba40-794e04324907_The%2BBehavioural%2BInsights%2BTeam-1.png)
![Kidaware](https://www.heykit.com.au/hubfs/Heykit_August_2023/images/5d91e6e3-aba3-49e5-b1bf-f2386ebb72b5_Kidaware-1.png)
![Happy Families](https://www.heykit.com.au/hubfs/Heykit_August_2023/images/19df150e-6597-4e66-8cc4-1949ca6accaa_Happy%2BFamilies-1.png)
Kit | Built by CommBank
Kit is built by x15ventures, which is wholly owned by CommBank. We are an early-stage venture, which means we’re endlessly improving and experimenting to deliver the best experience for young people and their carers in Australia. Kit financial products are issued by our partner Hay Limited (AFSL 515459). Refer to Important Legal Information for more detail.
![Kit | Built by CommBank](https://www.heykit.com.au/hubfs/Heykit_August_2023/images/fecd92ea-d0e7-41df-b1f2-4e2ef2100da9_Group+34058.png)
Meet the Kit team
![Yish, Managing Director](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/d6f64c89-72bf-432a-a988-386d5ad330eb_Yish.png?width=512&height=643&name=d6f64c89-72bf-432a-a988-386d5ad330eb_Yish.png)
Yish
Managing Director
![Neil, Chief Technology Officer](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/2c00d79c-028c-4068-ac3c-1feb789c79f5_Neil.png?width=516&height=641&name=2c00d79c-028c-4068-ac3c-1feb789c79f5_Neil.png)
Neil
Chief Technology Officer
![Annie, Senior Engineer](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/a81ab4cd-240a-46d7-8a4b-c903ce48bd33_Annie.png?width=512&height=641&name=a81ab4cd-240a-46d7-8a4b-c903ce48bd33_Annie.png)
Annie
Senior Engineer
![wendy](https://www.heykit.com.au/hs-fs/hubfs/wendy.png?width=512&height=640&name=wendy.png)
Wendy
Learning Designer
![Jun, Product Designer](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/9bff0eb0-211d-4ba8-aed1-a5b7b36120da_Jun.png?width=517&height=641&name=9bff0eb0-211d-4ba8-aed1-a5b7b36120da_Jun.png)
Jun
Product Designer
![Beck, Senior Product Manager](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/5755bd62-b234-4420-bbbd-9f854d3ea3cc_Beck.png?width=516&height=644&name=5755bd62-b234-4420-bbbd-9f854d3ea3cc_Beck.png)
Beck
Senior Product Manager
![Andie, Marketing Manager](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/29a8b043-2d2d-4704-9158-3b10b141ad16_Andie.png?width=518&height=641&name=29a8b043-2d2d-4704-9158-3b10b141ad16_Andie.png)
Andie
Marketing Manager
![sarah](https://www.heykit.com.au/hs-fs/hubfs/sarah.png?width=512&height=640&name=sarah.png)
Sarah
Operations Manager
![Jenny, UI Designer](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/ffeb8d87-2a35-496c-bf8c-ff6627405b5e_Jenny.png?width=512&height=641&name=ffeb8d87-2a35-496c-bf8c-ff6627405b5e_Jenny.png)
Jenny
UI Designer
![Nathan, Senior Product Designer](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/eaa95f1f-5855-45cc-a193-9f2c074ee18b_Nathan.png?width=512&height=641&name=eaa95f1f-5855-45cc-a193-9f2c074ee18b_Nathan.png)
Nathan
Senior Product Designer
![Elsie, Engineer](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/3bd6aca3-e1e1-4073-822a-eb917ecf0711_Elsie.png?width=513&height=641&name=3bd6aca3-e1e1-4073-822a-eb917ecf0711_Elsie.png)
Elsie
Engineer
![Anastasia, Software Engineer](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/a1f050a0-7f1f-48a8-863e-33c3fcd97c40_Anastasia.png?width=515&height=640&name=a1f050a0-7f1f-48a8-863e-33c3fcd97c40_Anastasia.png)
Anastasia
Software Engineer
![Paul, Senior Software Engineer](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/50e297d9-1d04-4cc6-9ada-a1b505f71c89_Paul.png?width=514&height=641&name=50e297d9-1d04-4cc6-9ada-a1b505f71c89_Paul.png)
Paul
Senior Software Engineer
![Jobin, Specialist Engineer](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/ce2e27de-df37-41f8-8e71-cfb15437708e_Jobin.png?width=512&height=641&name=ce2e27de-df37-41f8-8e71-cfb15437708e_Jobin.png)
Jobin
Specialist Engineer
![Jaime, UX Designer](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/f15ac0de-101b-4d6b-88f0-4cd7553aaa5b_Jaime.png?width=514&height=641&name=f15ac0de-101b-4d6b-88f0-4cd7553aaa5b_Jaime.png)
Jaime
UX Designer
![Pawel, Specialist Engineer](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/c46483ab-50ca-43ab-a34d-6b8a1b66cf9d_Pawel.png?width=513&height=641&name=c46483ab-50ca-43ab-a34d-6b8a1b66cf9d_Pawel.png)
Pawel
Specialist Engineer
![Nathan, Graduate Engineer](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/3a3848a3-9f2c-4272-9ea5-789543ee0cf6_Nathan.png?width=514&height=641&name=3a3848a3-9f2c-4272-9ea5-789543ee0cf6_Nathan.png)
Nathan
Graduate Engineer
![Mela, Lead UX Designer](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/36395eac-dc86-407b-8632-5aece26b2a7b_Mela.png?width=517&height=641&name=36395eac-dc86-407b-8632-5aece26b2a7b_Mela.png)
Mela
Lead UX Designer
![Nam, Senior Engineer](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/485aabbd-7617-473e-853a-2fa13eb2c4d3_Nam.png?width=513&height=640&name=485aabbd-7617-473e-853a-2fa13eb2c4d3_Nam.png)
Nam
Senior Engineer
![Darren, Chief Risk Officer](https://www.heykit.com.au/hs-fs/hubfs/Heykit_August_2023/images/2e306ce0-71c1-4fdc-9654-aa9f5a3c990b_Darren.png?width=517&height=640&name=2e306ce0-71c1-4fdc-9654-aa9f5a3c990b_Darren.png)
Darren
Chief Risk Officer
![jesse](https://www.heykit.com.au/hs-fs/hubfs/jesse.png?width=513&height=640&name=jesse.png)
Jesse
Game Director
![Hannah](https://www.heykit.com.au/hs-fs/hubfs/hannah.png?width=513&height=640&name=hannah.png)
Hannah
Marketing Coordinator
![Andrea, Senior Software Engineer](https://www.heykit.com.au/hs-fs/hubfs/andrea-s.png?width=513&height=640&name=andrea-s.png)
Andrea
Senior Software Engineer
![Danielle](https://www.heykit.com.au/hs-fs/hubfs/danielle.png?width=512&height=640&name=danielle.png)
Danielle
Software Engineer
![Arjun](https://www.heykit.com.au/hs-fs/hubfs/arjun-1.png?width=514&height=640&name=arjun-1.png)
Arjun
Software Engineer
![sean](https://www.heykit.com.au/hs-fs/hubfs/sean.png?width=514&height=640&name=sean.png)
Sean
Senior Software Engineer
![Aaron](https://www.heykit.com.au/hs-fs/hubfs/aaron.png?width=512&height=640&name=aaron.png)
Aaron
Senior Data Engineer
![Laura](https://www.heykit.com.au/hs-fs/hubfs/laura.png?width=512&height=640&name=laura.png)
Laura
Marketing Manager
![Mark](https://www.heykit.com.au/hs-fs/hubfs/mark.png?width=512&height=640&name=mark.png)
Mark
Lead Designer
![Loki](https://www.heykit.com.au/hs-fs/hubfs/loki.png?width=512&height=640&name=loki.png)
Loki
Graduate Product Manager
Advisory Panel
We have developed Kit with advice from an Advisory Panel that brings experience across financial capability, youth mental health and wellbeing, and digital services for children and families. They advise us on how to ensure Kit is developmentally appropriate and ethically designed.
Monica Wegner
EGM, Everyday Banking, Commonwealth Bank of Australia
Banking and payments, digital delivery
Robyn Mildon
Executive Director, Centre for Evidence & Implementation
Evaluation and implementation science across health, education and human services
Dr. Emily Heath
Financial Capability Specialist, PhD in Behavioural Neuroscience, Author of ‘10 Principles: How do we really build financial capability’
Financial capability, behavioural design
Jonathan Nicholas
Managing Director, The Wellbeing Outfit and former CEO of ReachOut Australia
Youth mental health, digital services, entrepreneurship
Professor Mary-Anne Williams
Michael J Crouch Chair for Innovation at UNSW. PhD Artificial Intelligence
Artificial intelligence, entrepreneurship and innovation
Heather Finlayson
COO Home@Scope
Services for children and families from diverse backgrounds
Carmel Guerra OAM
CEO, Centre for Multicultural Youth
Culturally and linguistically diverse youth
![Book](https://www.heykit.com.au/hubfs/Heykit_August_2023/images/bg-books.webp)