Changed vs Fincent
Changed
gochanged.comFincent
innovadis.comSide by side
| Figure | Changed | Fincent |
|---|---|---|
| Price from | $4/mo | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | — | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| Plans published | 1 | 1 |
| Spec score · Debt Management Software | 8.0 (#8) | 6.9 (#21) |
| Headquarters | Chicago, Illinois, United States | Enschede, Netherlands |
| Purpose | Changed is a debt payoff app that rounds up purchases and uses the savings to help pay down debt. | Fincent is an application for debt counseling that supports the process from early detection through becoming debt free. |
Plans
In their own words
Fincent
Fincent is a web application for debt counseling, covering early signs of financial difficulty through becoming debt free. Organizations can buy individual modules or a complete SaaS package, with automatic updates. The early-warning module processes signals from housing associations, energy suppliers, water suppliers, and health insurers, and includes a route planner. Debt-settlement tools support debt lists, creditor proposals, negotiations, and resident communication. Residents can view their file in a smartphone-friendly web app, sign in with DigiD, and share documents securely. Integrations include case systems through the ZGW API, BRP, VISH, and the Debt Junction; VISH and Debt Junction interfaces are standard. Fincent lists balance tracking, creditor tracking, and a counselor workspace. The maker states ISO 27001 certification, annual independent ICT security assessments, European Economic Area data centers, AVG compliance, and WCAG 2.1 AA development. Implementation averages three to six months, depending on modules and integrations. Pricing is customized by modules, municipality size, and external links.