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株式会社 Habitto



© 2022 Habitto. All Rights Reserved.

Habitto Co. Ltd is owned and operated by SJ Mobile Labs Pte Ltd. Founders Samantha Ghiotti and Liam McCance created SJ Mobile Labs, a Singapore based holding company in order to bring together global and Japanese investors to build a connected financial experience for new money habits in the Japanese market.

SJ Mobile Labs

We're on a mission to empower Japanese savers to better put their money to work. We do this through simple products, clever technology and bringing trust back to financial advice.

Company Profile

Holding Company

SJ Mobile Labs Pte. Litd (Singapore UEN 202117394G)
11 Irving Place #09-01, Singapore 369551

Subsidiary Company (Japan)

Habitto Co. Ltd

株式会社 Habitto

3-19-7 Jingumae, Shibuya-ku, Tokyo 150-0001, Japan
Registered as a financial services intermediary (securities intermediary business), No. 5

Registered Brand Name


Our founders

Sam GhiottiCo-founder, Chief Executive Officer
20+ years in finance and technology

Sam is consistently recognized as top cohort of women in finance and tech, her experience spanning investment, entrepreneurial, executive and board roles across 4 continents.

Sam held several operating roles in large financial institutions building digital businesses and transforming organizations such as American Express, First Data and Royal Bank of Scotland.

She then spent over a decade building Anthemis Group, a fintech venture investment firm, where she seeded, scaled and exited businesses, working with world class entrepreneurs, creatives and engineers. She recently ran Singlife in Singapore until its transaction with Aviva Singapore (S$3.2 billion).

Italian born, Sam holds a graduate degree at the London School of Economics.

Liam McCanceCo-founder, Chief Creative Officer
20+ years in brand, marketing and tech

Liam is a creative entrepreneur who has built and exited businesses across adtech, fintech and ecommerce.

Starting in advertising he worked with agencies across the globe, developing a passion for marketing and brand. With this experience Liam co-founded Vocanic which went on to become South-East Asia's largest social media agency that was ultimately acquired by WPP.

Liam pivoted his focus to fintech building one of the region's largest fintech development teams, teen neo-bank Canvas and joiningSinglife as its CMO and then chief strategy officer.

Australian born, Liam is passionate about taking consumer insights and translating them into tech products that consumers really want.


Yasunori KumeChief Operating Officer
30+ years in financial services

Yasunori is an experienced business leader developing significant financial services businesses in Japan.

Most recently Yasunori ran BNP Paribas Cardif's business in Japan, building its industry-leading position in creditor protection business and successfully completing strategic partnership with a leading Japanese bank. Prior to that, he worked as Executive Director at Axa Life in Japan, leading the development of its bancassurance business.

Japanese born, Yasunori is always passionate about developing an engaging culture and making positive impact initiatives.

André AmaralChief Product Officer
15+ years in product management, marketing and UX/UI

André is a Brazilian/German entrepreneur, product owner and user experience designer with a background in fintech, marketing and creative services.

André led creative leadership functions at global advertising agencies (JWT, Wunderman, DDB, FCB), communication research centers (Fabrica), tech companies (IBM) and most recently financial services (Helvetia Group’,Singlife), across South America, Europe, Middle East and Asia.

Before leading the rebranding, customer experience and mobile programs at Singlife, André founded and led a distributed tech and design talent network serving brands like HSBC, Emirates, CNN Middle East, Nike, and Nokia.

André graduated in Social Communications at ESPM in Brazil, with continued education at Hyper Island (UX), MIT Sloan (AI) and Stanford GSB (Social Entrepreneurship).

Our advisors

Shigesuke Kashiwagi柏木茂介30+ years in capital markets

Shigesuke-san (Shige) is a seasoned financial sector executive with a broad experience and a well respected figure with the Japanese Regulator.

He spent his early career on the fixed income trading floors at Nomura in Tokyo, New York, and London. Later he served as Global Head of Fixed Income, Regional Head for the Americas, Global Head of Regulatory Affairs, and CFO.

As Head of Schroders Japan, he successfully raised the company profile to a reputable player in Japan in the competitive industry.

He is also advising the PE world by assuming the Senior Advisor role for EQT AB to help their entry into Japan.

Bob Stein40+ years in financial services, globally

Bob is recognized as one of the top US directors, with global experience in advising the insurance industry on strategic, financial and operating challenges.

His management experience includes building Ernst & Young's global actuarial practice from his start as the first actuary hired to lead the global financial services practice.

In these roles he was responsible for the development and execution of the business strategies supporting the growth of these global corporations in insurance, banking, capital markets and asset management.

Following his career at E&Y, Bob has served on several company boards, including Aviva, Assurant and Talcott Resolution Life.

Lead Investors

Saison Capital

Saison Capital is the investment arm of Credit Saison, the Japanese financial services company with over 30 million customers. Saison Capital invests in Pre-Seed to Series B companies globally, across all verticals, including but not limited to SaaS, marketplaces and fintech.


Founded in 2014, Cherubic Ventures is a global seed-stage fund investing in pre-product/market fit companies. We are eager to partner with the most talented founders audacious enough to make the world a better place, and support them from the very beginning of their journey to the growth stage. Our team sits across San Francisco, Shanghai, and Taipei. Some of our notable portfolio companies include Hims & Hers, Calm, Flexport, 91APP, Paidy, Bellabeat, and Trialspark. To date, Cherubic has a global network of more than 150 portfolio companies, as well as 500+ founders, advisors, and institutional investors, allowing us to provide top-tier support for founders on their startup journey.

Other Investors Include

SJ Mobile Labs is a proud member of

Fintech Association of Japan
Fintech Association of Japan