One Mission.
For One Million.

We’re on a mission to help one million people in the UK be credit card debt free through the power of microhabits.

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Our founders know what it's like to be crushed by credit card debt...

Our founders know what it's like to be crushed by credit card debt...

and how to find a way out of it.

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Henry Mungalsingh, CEO

Henry Mungalsingh is a fintech leader with 16+ years in financial services. He excelled in roles at major firms like KPMG UK, Capita PLC, and Willis Towers Watson, with a background in actuarial consulting, operations, strategy, and mergers and acquisitions. Henry’s cross-disciplinary career has shaped him into a versatile problem-solver and strategic thinker with a sharp eye for innovation and execution.

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Bianca Mungalsingh, CTO

Bianca Mungalsingh is a dynamic tech entrepreneur with a background in iOS development, digital marketing, and content creation. A writer at heart, she trained as a developer during the pandemic and quickly discovered a real knack for coding and app building. Bianca blends creative storytelling with technical skill to craft intuitive apps that people love to use.

LEARN MORE ABOUT BIANCA
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HOW IT STARTED

Our Story

At the beginning of their marriage, Henry and Bianca faced an overwhelming burden of credit card debt. Determined to secure a brighter future, they tackled their financial challenges head-on—eliminating their debt by their third wedding anniversary. This transformative experience ignited their passion for financial wellness in the UK and inspired them to make a difference.

Drawing from their personal journey and years of research in the credit card and fintech landscapes, they launched KAYL. Their innovative approach harnesses the power of microhabit repayments, enabling everyday borrowers to steadily achieve credit card debt freedom. Their expertise and empathetic perspective shape an easy-to-use solution that empowers users to regain control over their finances.

Join Henry and Bianca on this debt-busting journey. Sign up for the beta waitlist and subscribe to their podcast for the latest tips and motivational insights, and take your first step towards a debt-free future.

WHAT DRIVES US

Our Core Values

Honour

We hold our customers in high esteem.

Excellence

We believe in doing excellent work. Our tech stack and business practices reflect this.

Integrity

We will do right by our customers. This is sacred to us.

Growth

We want our customers to grow with us.

Humility

We refuse to think of ourselves more highly than anyone else.

Transparency

Honesty is important to us. Even if it costs us.

Start managing your debt today

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Bianca Mungalsingh, KAYL CTO
CTO, KAYL

Bianca Mungalsingh

Bianca Mungalsingh is a passionate iOS developer and tech entrepreneur who brings creativity, precision, and heart to everything she builds. Trained during the pandemic, she discovered a natural talent for app development and never looked back. Her background spans publishing, digital marketing, and content creation – a unique blend that allows her to design apps that are not just functional, but deeply engaging.

As Co-Founder and CTO of KAYL, Bianca leads the development of a platform that’s redefining how people pay off credit card debt. She ensures the app is both technically robust and beautifully user-friendly – a reflection of her belief that great tech should feel effortless. Her ability to merge storytelling with smart design helps KAYL stand out in a crowded fintech space.

Bianca’s leadership extends beyond tech. She founded youth football academies in the UK and Trinidad, and proudly represented Trinidad & Tobago on the national women’s football team. Her experience on the field fuels her approach to business: focused, collaborative, and community-driven.

With a sharp mind for code and a deep sense of purpose, Bianca is building more than an app – she’s building a movement to empower people through better financial habits.

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Henry Mungalsingh - KAYL CEO
CEO, KAYL

Henry Mungalsingh

Henry Mungalsingh is a seasoned fintech leader with over 15 years in financial services, spanning actuarial consulting, strategy, operations, and M&A. He’s held varied roles at firms like Guardian Group, KPMG UK, Capita PLC, and Willis Towers Watson – developing a reputation as a versatile problem-solver with a sharp eye for transformation.

Today, Henry brings that same strategic firepower to KAYL, the fintech he co-founded to help people break free from credit card debt. His mission is personal: by their third wedding anniversary, he and his wife Bianca had paid off thousands in credit card debt – an experience that now fuels KAYL’s purpose-driven approach to financial empowerment.

At the helm of KAYL, Henry is building tools that turn everyday spending habits into smart, automated debt repayments. His leadership combines deep financial expertise with a bold vision for using technology to create lasting change.

When he’s not rethinking how we manage money, Henry’s chasing personal challenges with equal passion – having already climbed three of the world’s highest peaks, he’s aiming for Mount Everest next.

Driven, grounded, and deeply mission-led, Henry is the kind of fintech founder people trust to make a real difference.

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