CI&T and Project Nemo Redefine Financial Access

CI&T, an AI and tech acceleration partner, has today announced Nemo, Art of the Possible — a groundbreaking prototype of a financial app created in collaboration with Project Nemo, the not-for-profit grassroots initiative driving to improve disability inclusion in the fintech and financial services industries. Nemo was designed to support any adult with a learning disability in managing their finances more independently and safely.

The prototype is a direct response to the Project Nemo report, Safe Spending for Adults with a Learning Disability, published earlier in June, developed by Firefish, sponsored by Nationwide and commissioned by Project Nemo, with support from Mencap and Dosh.

The report exposed a stark reality: 38% of people with learning disabilities need ongoing help with everyday spending, and 32% do not have a bank account in their own name. It also highlighted how complex banking processes, inaccessible tools, and a lack of personalised support leave many financially excluded and at risk.

CI&T’s team engaged directly with individuals with lived experience — people with learning disabilities, carers, and accessibility experts — to design an app that addresses these challenges head-on.

For the first time, this community has had a direct voice at the design table—an opportunity to share their needs and perspectives with the financial services industry. This marks a significant shift from the past, when individuals with learning disabilities had little choice but to accept what was offered. Now, their input provides valuable, practical insights that can help shape more inclusive and responsive banking services.

In only six weeks, CI&T created Nemo, leveraging CI&T’s enterprise-ready AI platform CI&T FLOW. Built with accessibility and ease of use as core principles, Nemo is a highly adaptive, inclusive digital product that empowers users to take control of their financial lives, while still allowing for trusted support where needed.

While primarily designed for adults with learning disabilities, its advanced features and versatile configurability also significantly benefit neurodiverse individuals and anyone seeking greater confidence and support in managing their finances.

Some of these features include:

• Supported decision-making: Users maintain complete control of their accounts; supporters can view and offer encouragement, but never act without explicit permission.
• Personalised onboarding: The app adapts to each user's confidence, habits, and accessibility needs.
• Calm mode: Reduces sensory overload and simplifies the interface during stressful moments.
• Emergency pot: A protected fund for unexpected needs, with optional spending locks and supporter assistance.
• Supporter Oversight: Trusted third parties receive real-time alerts and offer support while users remain in control.
• Learning over time: The app evolves with users, gradually unlocking more features as confidence grows.

“The path to true innovation is paved with diversity, accessibility, and inclusion," said Solange Sobral, EVP & Partner at CI&T. "This project truly reflects the Art of the Possible, and we hope it serves as a catalyst for financial institutions to lead the way in evolving digital products to be more inclusive. We're proud to partner with Project Nemo to build a solution that gives individuals with learning disabilities greater financial autonomy."