Kivo

Small businesses make up 99.9% of all businesses in the U.S., fueling an economy where global advertising spending alone has surpassed $700 billion. Behind that massive creative economy are agencies navigating delayed client payments, irregular cash flow, and fragmented financial systems while still funding payroll, production, and tools upfront. Most digital banking solutions are built for consumers, freelancers, or venture-backed startups rather than service-based creative teams, leaving an opportunity for financial tools designed around how creative businesses actually operate. My dad is a business owner, and growing up, I saw both the impact of building something of your own and how difficult it can be to sustain it. Kivo grew from that experience: a fintech platform designed to make the business side of creative work easier to manage. I developed the brand identity, digital platform, advertising campaign, and supporting collateral through research into creative business models, financial systems, and fintech.