December & Company

What December & Company does

December & Company is a Seoul-headquartered (Yeoksamdong) private fintech founded in 2013 that operates Fint, an AI-driven discretionary investment service targeting South Korea's retirement pension market. The company positions Fint as algorithm-driven portfolio management that automates investment decisions for pension-related products, serving what it describes as a "broad population" of retirement pension customers and pension funds in Korea. The product is also referenced under the name Pint in some sources, indicating either dual branding or a naming variant for the same underlying service. Customer segments are vertically concentrated on retirement pension discretionary investment management, with both individual retirement-pension participants and pension fund vehicles implied as users.

The core technology is an AI-based discretionary investment platform that automates portfolio management and decision-making, with proprietary features tagged as "domain specialization" in the retirement pension sector. No specific AI model architectures, patents, training pipelines, or third-party validation are publicly disclosed — the AI positioning is high-level and product-led rather than research-led. There is no public API, SDK, or integration footprint documented.

December & Company follows a sales-led go-to-market motion and generates recurring revenue, most plausibly through AUM-based or management fees on discretionary pension assets under management, though exact pricing mechanics are not publicly disclosed. The company has raised approximately $21 million in aggregate across two disclosed rounds: a 2021 round led by BC Card and a May 2024 round led by Forest Partners. It operates with a workforce of 101-250 employees and is actively pursuing expansion of market share in South Korea's retirement pension discretionary segment, which sits inside a global robo-advisory market reported at $10.84B in 2024 with projections to $154B by 2034.

Name

December & Company

Legal name

December & Company

Website

https://www.dco.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

December & Company is a Seoul-based fintech that operates Fint, an AI-driven discretionary investment platform serving South Korea's retirement pension market with automated portfolio management. The company has raised roughly $21 million across two funding rounds and employs 101-250 staff.

Ownership category

akta.pro rank

Product category

Robo Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK)

akta.pro secondary industry

Digital Retirement Platforms (IRA/401(k), Pension & Decumulation) (FSAGAEAF)

Keywords

• Robo advisory services
• AI investment management
• Retirement pension solutions
• Discretionary investment platform
• Wealth management technology

Headquarters

HQ city

Yeoksamdong

HQ country

South Korea

HQ region

Asia

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations

Revenue model

1. AI-Driven Investment Services: The company generates revenue through its AI-driven discretionary investment service Fint/Pint, which serves the retirement pension market in South Korea. The exact revenue model mechanics (management fees, AUM-based, etc.) are not publicly disclosed.

Go-to-market motion1 record

Core offering

December & Company offers customized asset management services through its AI-driven discretionary investment platform 'Fint', which provides automated, algorithm-driven investment management targeting the retirement pension market in South Korea. The platform leverages artificial intelligence to deliver portfolio management and investment decision-making for individual retirement pension investors.

Product overview

December & Company operates a single unified AI-driven investment platform, offering the Fint service (also referenced as Pint in some sources) for discretionary investment management. The platform leverages artificial intelligence to provide automated investment services targeting the retirement pension market in South Korea. The company recently secured 17 billion won in investment to further develop advanced AI-driven investment services and expand its market share in the retirement pension discretionary market.

Differentiator

Problem solved

Functional benefit

Brands

• Fint: AI-driven discretionary investment service operated by December & Company, targeting the retirement pension market in South Korea.

Products and services

• Fint AI-based discretionary investment service that provides automated, algorithm-driven investment management to individual investors, targeting the retirement pension market in South Korea. Enables automated portfolio management and investment decision-making.

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Betterment: US-based pioneer in digital discretionary portfolio management with a strong retirement focus (IRAs, 401(k) rollovers). Comparable to December & Company as an AI- and algorithm-driven robo-advisor targeting retirement savers with automated portfolio management.
• Wealthfront: US digital wealth platform offering automated, algorithm-driven investment management with retirement account products. Directly comparable to Fint as a robo-advisor providing discretionary portfolio management via technology rather than human advisors.
• Stash: US digital investing app offering automated portfolio construction with retirement (IRA) accounts. Comparable to December & Company's Fint as a technology-driven discretionary investment platform serving individual investors with retirement-oriented products.
• Acorns: US micro-investing and retirement platform providing automated, algorithm-driven portfolio management to mass-market investors. Comparable to Fint in delivering automated investment management with a strong retirement account focus, though oriented toward smaller-ticket savers.
• M1 Finance: US automated investing platform combining self-directed brokerage with managed portfolios and retirement accounts. Comparable to Fint in using automation to deliver discretionary investment management at scale, with overlapping retirement account offerings.
• Ellevest: Digital wealth platform offering automated, goal-based investing with dedicated retirement and long-term planning tools. Comparable to December & Company's Fint in combining AI-driven discretionary portfolio management with a retirement-oriented value proposition.

Broad incumbents

• Empower (formerly Personal Capital): Large US wealth and retirement platform combining automated portfolio management with human advisors and strong 401(k)/IRA offerings. Comparable to December & Company in the retirement and digital wealth space, but operates at much larger scale with hybrid advisory models.
• Mirae Asset Financial Group: One of South Korea's largest financial groups with extensive asset management, securities, and retirement pension operations. Comparable to December & Company as a Korean player competing for retirement pension AUM, though at vastly larger scale and with a traditional (not pure-AI) model.
• Korea Investment & Securities: Major Korean securities firm offering brokerage, asset management, and retirement pension products, including digital advisory tools. Comparable to December & Company in the Korean retirement pension discretionary market, but as an incumbent with broader product lines and established distribution.

Emerging players

• Toss (Viva Republica): Korean super app offering brokerage, investing, and wealth-related features within a broader consumer finance platform. Comparable to Fint as a Korean fintech using technology to offer investment products to retail users, though Toss's investment features sit within a wider consumer finance suite.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds3 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about December & Company