MULA is an application that offers financial knowledge to individuals who do not use banking services or do not have access to instalment loan providers. It is full of financial knowledge that promotes financial skills. For companies, this app offers a way to provide lunch benefits to these individuals who also will be able to access the MULA knowledge platform.Key Features.Debt Calculator is a tool to calculate effective interest rate of loan payments Learning platform is used to increase financial literacy through the use of blogs, games and accompanying lessons which present certificate upon passing.Lunch Card is a digital lunch voucher for dining in the company’s cafetaria; the vendor can have a record of the number of meals they provide to the employees through Lunch Card; the employees can have a record of how much lunch benefits they have used and their eligibility. MULA Interactive Response Autobot (M.I.R.A) is an in-app customer service chat that features chatbot that assists users on questions regarding the app features.