qiip

qiip was a financial wellness platform operated by Sura Asset Management in Mexico and Colombia from 2019 until its closure in 2024. The platform was designed to help individuals improve their personal finance management through financial self-knowledge and targeted services based on user needs. qiip offered free financial coaching, credit history monitoring, expense tracking, savings products managed by Sura Asset Management, and access to loans through third-party partners including Kubo Financiero, Treo, and La Tasa. The app functioned as a marketplace model, connecting users with financial institutions and earning commissions when users purchased products from partner institutions. qiip launched initially in Mexico rather than Colombia despite Sura's Colombian headquarters, targeting the country's significant financial inclusion gap and large proportion of digital users. The platform distributed primarily through B2B partnerships with Mexican companies, offering the service as an employee benefit. At launch, 47 companies employing 16,000 people had signed up. Over its operational lifetime, qiip reported helping approximately 4.5 million users across both countries improve their financial situations. The platform's Plus subscription service achieved notable success, with 75% of subscribers reportedly improving their credit histories. After five years of operation, qiip announced its final closure in 2024, with users directed to continue using the Plus subscription for credit history services and access to partner offerings. The platform was part of Sura Asset Management's broader digital innovation strategy and represented an early attempt to address financial inclusion through digital-first financial coaching and marketplace services.