Aggregation
Bank, card and wallet accounts in a single view.
Investing
Money, Made Clear
We build personal finance apps that pull a user's accounts into one view, categorise every transaction, set budgets and surface the insights that help people spend, save and invest with intent.
- Account aggregation in one view
- Automatic spend categorisation
- Budgets, goals and nudges
- Insights that drive better habits
Overview
One View of Everything
Most people have money scattered across banks, cards and wallets. A PFM app brings it into one place, categorises the noise into clear spending, and turns a messy month into a picture anyone can read.
We build on Account Aggregator and secure aggregation so data flows with consent, then layer budgets, goals and gentle nudges that make good habits the easy path, not a chore.
What you get
- Account and card aggregation
- Automatic transaction categorisation
- Budgets and spending limits
- Savings goals and tracking
- Insights, trends and nudges
- Consent-driven, privacy-first design
Insight, Not Just Numbers
The whole financial picture in one place, with nudges that actually change behaviour.
Categorisation
Every transaction sorted automatically and editably.
Budgets
Category budgets with alerts before the limit is hit.
Goals
Savings goals with progress and smart contributions.
Insights
Trends, anomalies and nudges tailored to the user.
Consent-first
Account Aggregator consent and privacy by design.
Our Delivery Process
Four disciplined stages, a fixed milestone plan, and staging you can watch from day one.
Discovery
Requirements, compliance scope, target users and the metrics that define success.
Architecture
A secure, scalable architecture, the integrations mapped and a fixed milestone plan.
Build & Integrate
Built in two-week sprints, wired to your payment and banking rails, tested on live staging.
Launch & Support
Security hardening, zero-downtime go-live, source and IP handover, then ongoing support.
The Fintech Toolkit
Account Aggregator
Categorisation
Flutter
ML Insights
Encrypted Store
Consent
Personal Finance Questions
Through the Account Aggregator framework and secure aggregation partners, so data flows only with the user's explicit, revocable consent.
Yes. Transactions are categorised automatically with machine learning, and users can correct a category so it learns their patterns.
Data is encrypted in transit and at rest, access is consent-driven, and we design to data-minimisation principles from the start.
Yes. Alongside spending we can bring in investments, loans and assets to show a full net-worth picture over time.
Ready to build in fintech?
Tell us your product idea and your compliance needs. We come back with an architecture, a milestone plan and a fixed number.
- Free consultation
- NDA signed upfront
- Fixed milestone pricing