We started Fluck to solve a real problem for the people and shops we love.
It used to take five different apps just to split a bill, plan dinner, track spending, and check loyalty points. And your favourite local cafe? They were losing regulars to chains with million-pound CRM systems while still using a paper stamp card.
We thought: what if there was one platform that helped people manage their daily lives and gave every local business the same AI and data tools that big brands use? Not as separate products, but as one connected ecosystem where both sides benefit.
That's what we're building.
What we believe in
Innovation
We build things that don't exist yet. When we see a broken process, we fix it with technology.
Transparency
No hidden fees. No dark patterns. If something costs money or uses your data, we tell you upfront.
Simplicity
If it takes more than 3 taps, we haven't finished designing it. Complex problems deserve simple solutions.
Community
We build for real relationships. Friends sharing costs, locals supporting their high street, partners growing together.
Impact
Technology should help communities, not just shareholders. We put money where our values are.
One ecosystem, three platforms
When a customer walks into a shop that uses Fluck, they earn loyalty rewards, split the bill with friends, and leave a review. The business sees it all in one dashboard. That's how the ecosystem works.
For People
Split bills, plan meetups, earn cashback, manage loyalty cards, and see where your money goes. Free.
Explore the app →For Businesses
AI-powered reputation management, digital loyalty, omnichannel inbox, and customer insights. The tools that big brands have, made affordable.
See business tools →For Partners
Earn recurring commission helping local businesses discover Fluck. Referral, sales, and reseller options.
Join as partner →Our Mission
Simplify everyday life for people and level the playing field for local businesses. Give everyone access to AI-powered tools, useful data, and connected experiences that were once only available to big companies with big budgets.
Our Vision
Build the UK's everyday super app. Not just another finance tool, but a platform where people organise their lives, local businesses grow their customer base, and communities thrive together. Starting with the UK, then Europe.
Our journey so far
Fluck started with two frustrations: people need half a dozen apps just to manage daily life, and small businesses can't compete with chains that have million-pound loyalty tech. We set out to fix both.
Selected for Microsoft for Startups and Atlassian for Startups. Set up at the University of Essex Innovation Centre and started building our engineering team.
Consumer app and business portal in active development. Featured by Republic. Team grew to 10+ across engineering, design, data, and strategy.
Preparing for UK launch. Partner programme live. Building the ecosystem one community at a time.
The humans behind Fluck
Three co-founders and a team of 10+ engineers, designers, and strategists working across the project from Colchester, UK.
Nabeel Bin Muhammed
Founder & CEO
Former HSBC and Amazon. MBA from the University of Essex. Started Fluck after years of juggling fragmented apps for money, plans, and local services. Wanted to build the one thing that connects it all.
Sreejith Sivankutty
Co-Founder & CPO
Mechatronics engineer and product builder. MSc in Intelligent Systems from Essex. Comes from the robotics world where intuitive design isn't optional. Applies that same rigour to every screen in Fluck.
Muhathaz Gaffoor
Co-Founder & CDO
Data scientist and strategist. MSc in Data Science from Essex. Ranked top 0.2% in India's UPSC exam. Turns raw spending data into insights that actually help people spend less and save more.
Building for good
We think tech companies should give back, not just grow. A portion of Fluck's revenue goes to local food banks, youth financial literacy programmes, and small business grants across the UK. We're looking for charitable partners who share that goal.
Get in touch: impact@fluckai.comRecognised & Supported By
Selected
Selected
Featured
Innovation CentreFluck AI LTD is registered in England & Wales (Company No. 15031901). Innovation Centre, Knowledge Gateway, Boundary Road, Colchester, Essex CO4 3ZQ.