The future of student financial services in higher education

Arbol helps institutions streamline support, enhance retention, and break down financial barriers with personalized guidance and actionable insights. Simplify the student financial experience and drive success across your campus

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The Arbol Story

The idea for Arbol came to our co-founders through their firsthand experiences trying to navigate the complexities of student finances. They saw that the problem was not just about cost but also about confusion, fragmented resources, and a lack of personalized support that creates barriers for students and overwhelms institutions.

For institutions, disconnected systems make it difficult to deliver the proactive and seamless support students need to succeed. Our co-founders knew there had to be a better way.

That is why they collaborated with experts from every department involved in the student financial experience, including financial aid, student accounts, scholarships, and support services, along with leaders in technology, finance, and design.

Together, they built a unified platform to simplify the student financial journey.

Leadership

David Gonzalez

David drives Arbol’s strategic direction across al aspects of company, inspired by firsthand experience with student financial challenges. He led innovations in conversational banking at HSBC, earning Digital Banking Employee of the Year, and gained enterprise software expertise at Kangarootime.

Favio Osorio

Favio leads product operations at Arbol, leveraging his experience as a first-generation international student to develop solutions for student financial challenges. Before co-founding Arbol, he worked on strategy for underserved markets at M&T Bank, focusing on low-income communities.

Kevin Menegay

Kevin leads technology at Arbol, bringing over a decade of experience in higher education software development. Specializing in early alert systems and student success platforms, Kevin ensures Arbol’s solutions are robust, scalable, and tailored to institutional needs.

James Nowak

James leads customer success at Arbol, bringing 15 years of experience in student engagement and financial aid services. He specializes in helping institutions maximize the impact of Arbol’s platform, ensuring seamless implementation and meaningful outcomes.