{"head":{"title":"Financia - Personal Finance Console","description":"Built a personal finance dashboard that ingests transactions across accounts, attributes spend by category, surfaces AI cashflow insights, and runs a…","canonical":"https://oceanlab.in/case-studies/financia"},"study":{"slug":"financia","industry":"personal-finance","projectType":"Budget & spending tracker","country":"de","tags":["fintech","ai","saas"],"compliances":["GDPR","BaFin","PSD2","ISO 27001"],"cover":{"src":"/financia-1.png","width":1440,"height":1647},"gallery":[{"src":"/financia-1.png","width":1440,"height":1647},{"src":"/financia-2.png","width":1440,"height":1310}]},"publishedDate":"2026-09-25","contentByLang":{"en":{"client":"Financia","clientLocation":"Germany","category":"FinTech / Personal Finance","duration":"Phase 1 (10 Weeks)","title":"Financia - Personal Finance Console with AI Cashflow Insights","tagline":"AI-Native Personal Finance & Budget Tracker","description":"Built a personal finance dashboard that ingests transactions across accounts, attributes spend by category, surfaces AI cashflow insights, and runs a live budget tracker with goal setting - shipped from clickable AI prototype to production in 10 weeks.","scope":"AI Prototyping, UI/UX Design, Development and Delivery","industry":"FinTech / Personal Finance","timeline":"10 Weeks","impacts":[{"value":"10 Weeks","label":"Prototype to production","description":"1 week scope, 2 weeks clickable AI prototype, 7 weeks production build with PSD2 account aggregation."},{"value":"Live","label":"Cashflow + budget","description":"Income, expenses and net cash flow rendered live across all linked accounts with category attribution."},{"value":"AI Insights","label":"Surface what changed","description":"Smart insights name cause and suggest action - 'Dining spend up 34%, $62 above your average'."},{"value":"Health Score","label":"0–100 in one number","description":"Financial health score combines savings rate, debt ratio, runway, and behaviour into one signal."}],"problemShort":"Financia's users had multiple bank accounts, scattered spend, and no consistent view of cashflow or budget - and existing personal-finance apps either looked like spreadsheets or were too aggressive with their nudges to be trustworthy.","solutionShort":"We delivered a single dashboard that ingests transactions via PSD2, attributes spend by category, runs a live budget tracker with goals, and surfaces AI insights that name cause and suggest action - validated through a clickable AI prototype before any production code.","challengesHeading":"The Challenge: Cashflow Without Confusion","challengesIntro":"Personal finance UX gets two things wrong: too clinical (looks like a spreadsheet) or too pushy (every screen wants you to upgrade). Financia's users wanted clarity without either.","challenges":[{"title":"Account Aggregation Across Banks","description":"PSD2 connectors return transactions in inconsistent shapes. Reconciliation, deduplication and categorisation had to happen server-side without showing the user the mess."},{"title":"Categorisation That Holds Up","description":"Auto-categorisation is wrong often enough that users stop trusting it. We needed a model that explained itself and let the user override quickly."},{"title":"Insights That Drive Action","description":"Static charts don't change behaviour. Users wanted insights that name cause ('dining spend up 34%') and suggest a one-tap fix."},{"title":"GDPR + BaFin Compliance","description":"Operating in Germany meant strict data-residency, account-aggregation licensing, and consent flows under GDPR + BaFin oversight."}],"approachHeading":"Our Approach: 3 Phases in 10 Weeks","approach":[{"number":"01","title":"Discovery & Scope","description":"Week 1: embedded with Financia's product and data teams to map every flow - onboarding, account linking, daily dashboard, budget setup, goal tracking - and the consent and disclosures required under GDPR + BaFin."},{"number":"02","title":"AI-Driven Clickable Prototype","description":"Weeks 2–3: built a fully interactive prototype with mocked PSD2 data, AI insights and budget tracker, so the team could click through every flow and copy-iterate before any production code."},{"number":"03","title":"Production Build & Launch","description":"Weeks 4–10: shipped the production console with PSD2 account aggregation, categorisation engine, budget tracker, goal setting, and the AI insights surface - plus a financial health score that summarises the whole picture."}],"whyItWorksHeading":"Why It Works: Outcome-Based Differentiation","whyItWorks":[{"title":"Speed to Value","description":"Most personal-finance platforms take 9–18 months to ship to production. We delivered a clickable AI prototype in 2 weeks and a live console in 10."},{"title":"AI-First Prototyping","description":"Every flow - account linking, categorisation override, budget setup, AI insight delivery - was validated in the prototype before any production code touched a real bank API."},{"title":"Single Accountable Team","description":"Design, AI prototyping, PSD2 integration, and front-end engineering under one roof - no handoff between an app studio and a banking-aggregator vendor."},{"title":"Outcome-Based Engagement","description":"Financia paid for milestones and live functionality, not hours. Our incentives were tied directly to shipping a console that users actually opened weekly."}]},"es":{"client":"Financia","clientLocation":"Alemania","category":"FinTech / Finanzas Personales","duration":"Fase 1 (10 Semanas)","title":"Financia - Consola de Finanzas Personales con Insights de Cashflow con IA","tagline":"Rastreador de Finanzas Personales y Presupuesto AI-Native","description":"Construimos un panel de finanzas personales que ingiere transacciones entre cuentas, atribuye gasto por categoría, expone insights de cashflow con IA y ejecuta un rastreador de presupuesto en vivo - entregado de prototipo a producción en 10 semanas.","scope":"Prototipado con IA, Diseño UI/UX, Desarrollo y Entrega","industry":"FinTech / Finanzas Personales","timeline":"10 Semanas","impacts":[{"value":"10 Semanas","label":"Prototipo a producción","description":"1 semana de alcance, 2 semanas de prototipo con IA, 7 semanas de construcción con agregación de cuentas PSD2."},{"value":"En vivo","label":"Cashflow + presupuesto","description":"Ingresos, gastos y flujo de caja neto renderizados en vivo entre cuentas con atribución por categoría."},{"value":"Insights IA","label":"Mostrar lo que cambió","description":"Insights inteligentes nombran causa y sugieren acción - 'Gasto en cenas subió 34%, $62 sobre tu promedio'."},{"value":"Health Score","label":"0–100 en un número","description":"Puntuación de salud financiera combina tasa de ahorro, ratio de deuda, autonomía y comportamiento en una sola señal."}],"problemShort":"Los usuarios de Financia tenían múltiples cuentas bancarias, gasto disperso y sin vista consistente de cashflow o presupuesto - y las apps existentes parecían hojas de cálculo o eran demasiado agresivas para ser confiables.","solutionShort":"Entregamos un único panel que ingiere transacciones vía PSD2, atribuye gasto por categoría, ejecuta un rastreador de presupuesto con metas y expone insights de IA que nombran causa y sugieren acción - validado mediante prototipo clickable con IA antes de producción.","challengesHeading":"El Desafío: Cashflow Sin Confusión","challengesIntro":"La UX de finanzas personales se equivoca de dos maneras: demasiado clínica o demasiado pedante. Los usuarios de Financia querían claridad sin ninguna de las dos.","challenges":[{"title":"Agregación de Cuentas Entre Bancos","description":"Los conectores PSD2 devuelven transacciones en formas inconsistentes. La reconciliación, deduplicación y categorización tenía que pasar en el servidor."},{"title":"Categorización Que Aguanta","description":"La auto-categorización se equivoca lo suficiente como para que los usuarios dejen de confiar en ella. Necesitábamos un modelo que se explicara y permitiera anular rápido."},{"title":"Insights Que Mueven a la Acción","description":"Los gráficos estáticos no cambian comportamiento. Los usuarios querían insights que nombraran la causa y sugirieran un fix de un toque."},{"title":"Cumplimiento GDPR + BaFin","description":"Operar en Alemania significaba estricta residencia de datos, licencias de agregación de cuentas y flujos de consentimiento bajo GDPR + supervisión BaFin."}],"approachHeading":"Nuestro Enfoque: 3 Fases en 10 Semanas","approach":[{"number":"01","title":"Descubrimiento y Alcance","description":"Semana 1: integración con los equipos de producto y datos de Financia para mapear cada flujo y los consentimientos requeridos bajo GDPR + BaFin."},{"number":"02","title":"Prototipo Clickable con IA","description":"Semanas 2–3: prototipo totalmente interactivo con datos PSD2 simulados, insights de IA y rastreador de presupuesto."},{"number":"03","title":"Construcción y Lanzamiento","description":"Semanas 4–10: entregamos la consola de producción con agregación de cuentas PSD2, motor de categorización, rastreador de presupuesto, fijación de metas y superficie de insights de IA - más una puntuación de salud financiera."}],"whyItWorksHeading":"Por Qué Funciona: Diferenciación Basada en Resultados","whyItWorks":[{"title":"Velocidad al Valor","description":"La mayoría de plataformas de finanzas personales tardan 9–18 meses en producción. Entregamos un prototipo en 2 semanas y una consola en vivo en 10."},{"title":"Prototipado AI-First","description":"Cada flujo se validó en el prototipo antes de que cualquier código de producción tocara una API bancaria real."},{"title":"Equipo Único Responsable","description":"Diseño, prototipado con IA, integración PSD2 e ingeniería frontend bajo un mismo techo."},{"title":"Compromiso Basado en Resultados","description":"Financia pagó por hitos y funcionalidad en vivo, no por horas."}]},"fr":{"client":"Financia","clientLocation":"Allemagne","category":"FinTech / Finances Personnelles","duration":"Phase 1 (10 Semaines)","title":"Financia - Console de Finances Personnelles avec Insights Cashflow IA","tagline":"Tracker AI-Native de Finances Personnelles et Budget","description":"Dashboard de finances personnelles qui ingère les transactions inter-comptes, attribue la dépense par catégorie, expose des insights cashflow IA et exécute un budget tracker live.","scope":"Prototypage IA, Design UI/UX, Développement et Livraison","industry":"FinTech / Finances Personnelles","timeline":"10 Semaines","impacts":[{"value":"10 Semaines","label":"Prototype à la production","description":"1 semaine de cadrage, 2 semaines de prototype IA, 7 semaines de build avec agrégation de comptes PSD2."},{"value":"Live","label":"Cashflow + budget","description":"Revenus, dépenses et flux net rendus en temps réel sur tous les comptes liés avec attribution catégorielle."},{"value":"Insights IA","label":"Surface ce qui a changé","description":"Insights intelligents qui nomment la cause et suggèrent l'action - 'Restau en hausse de 34%, $62 au-dessus de votre moyenne'."},{"value":"Health Score","label":"0–100 en un nombre","description":"Score de santé financière combinant taux d'épargne, ratio de dette, runway et comportement en un signal."}],"problemShort":"Les utilisateurs de Financia avaient plusieurs comptes bancaires, dépense éparpillée et aucune vue cohérente de cashflow ou budget.","solutionShort":"Un seul dashboard qui ingère les transactions via PSD2, attribue la dépense par catégorie, exécute un budget tracker live avec objectifs et expose des insights IA qui nomment la cause.","challengesHeading":"Le Défi : Cashflow Sans Confusion","challengesIntro":"L'UX des finances personnelles rate de deux manières : trop clinique ou trop pressante.","challenges":[{"title":"Agrégation de Comptes Inter-Banques","description":"Les connecteurs PSD2 retournent des transactions dans des formes incohérentes."},{"title":"Catégorisation Qui Tient","description":"L'auto-catégorisation se trompe assez souvent pour que les utilisateurs cessent de lui faire confiance."},{"title":"Insights Qui Poussent à l'Action","description":"Les graphiques statiques ne changent pas le comportement."},{"title":"Conformité GDPR + BaFin","description":"Opérer en Allemagne signifiait résidence de données stricte et flux de consentement sous GDPR + BaFin."}],"approachHeading":"Notre Approche : 3 Phases en 10 Semaines","approach":[{"number":"01","title":"Découverte et Cadrage","description":"Semaine 1 : intégration avec les équipes produit et data de Financia pour cartographier chaque flux."},{"number":"02","title":"Prototype Cliquable IA","description":"Semaines 2–3 : prototype totalement interactif avec données PSD2 simulées, insights IA et budget tracker."},{"number":"03","title":"Build & Lancement","description":"Semaines 4–10 : console de production avec agrégation PSD2, moteur de catégorisation, budget tracker, fixation d'objectifs et surface d'insights IA - plus un score de santé financière."}],"whyItWorksHeading":"Pourquoi Ça Marche : Différenciation par Résultats","whyItWorks":[{"title":"Vitesse de Valeur","description":"La plupart des plateformes de finances personnelles prennent 9–18 mois en production. Prototype en 2 semaines, console live en 10."},{"title":"Prototypage AI-First","description":"Chaque flux validé dans le prototype avant tout code de production sur une vraie API bancaire."},{"title":"Équipe Unique Responsable","description":"Design, prototypage IA, intégration PSD2 et ingénierie front-end sous un même toit."},{"title":"Engagement Basé sur les Résultats","description":"Financia a payé pour des jalons et de la fonctionnalité live."}]},"de":{"client":"Financia","clientLocation":"Deutschland","category":"FinTech / Personal Finance","duration":"Phase 1 (10 Wochen)","title":"Financia - Personal-Finance-Konsole mit KI-Cashflow-Insights","tagline":"AI-Native Personal-Finance- und Budget-Tracker","description":"Personal-Finance-Dashboard, das Transaktionen über Konten ingestiert, Ausgaben nach Kategorie zuordnet, KI-Cashflow-Insights aufzeigt und einen Live-Budget-Tracker mit Zielen führt.","scope":"KI-Prototyping, UI/UX-Design, Entwicklung und Lieferung","industry":"FinTech / Personal Finance","timeline":"10 Wochen","impacts":[{"value":"10 Wochen","label":"Prototyp bis Produktion","description":"1 Woche Scoping, 2 Wochen KI-Prototyp, 7 Wochen Production Build mit PSD2-Konten-Aggregation."},{"value":"Live","label":"Cashflow + Budget","description":"Einkommen, Ausgaben und Netto-Cashflow live über alle verbundenen Konten mit Kategorien-Zuordnung gerendert."},{"value":"KI-Insights","label":"Zeigt was sich ändert","description":"Smart-Insights benennen Ursache und schlagen Aktion vor - 'Restaurant-Ausgaben +34%, $62 über deinem Schnitt'."},{"value":"Health Score","label":"0–100 in einer Zahl","description":"Financial-Health-Score kombiniert Sparquote, Schuldenquote, Runway und Verhalten in ein Signal."}],"problemShort":"Financia-Nutzer hatten mehrere Bankkonten, verstreute Ausgaben und keine konsistente Cashflow- oder Budget-Sicht.","solutionShort":"Ein einziges Dashboard, das Transaktionen via PSD2 ingestiert, Ausgaben nach Kategorie zuordnet, einen Live-Budget-Tracker mit Zielen führt und KI-Insights aufzeigt.","challengesHeading":"Die Herausforderung: Cashflow ohne Verwirrung","challengesIntro":"Personal-Finance-UX scheitert auf zwei Arten: zu klinisch oder zu pushy.","challenges":[{"title":"Konten-Aggregation über Banken","description":"PSD2-Konnektoren liefern Transaktionen in inkonsistenter Form."},{"title":"Kategorisierung, die hält","description":"Auto-Kategorisierung irrt oft genug, dass Nutzer aufhören, ihr zu vertrauen."},{"title":"Insights, die zur Aktion führen","description":"Statische Charts ändern kein Verhalten."},{"title":"GDPR + BaFin-Compliance","description":"Deutschland-Betrieb bedeutete strikte Datenresidenz, Konten-Aggregations-Lizenzierung und Consent-Flows unter GDPR + BaFin-Aufsicht."}],"approachHeading":"Unser Ansatz: 3 Phasen in 10 Wochen","approach":[{"number":"01","title":"Discovery & Scoping","description":"Woche 1: eingebettet mit Financia-Produkt- und Daten-Teams, jeden Flow kartiert."},{"number":"02","title":"KI-Klickprototyp","description":"Wochen 2–3: voll interaktiver Prototyp mit gemockten PSD2-Daten, KI-Insights und Budget-Tracker."},{"number":"03","title":"Build & Launch","description":"Wochen 4–10: Produktionskonsole mit PSD2-Konten-Aggregation, Kategorisierungs-Engine, Budget-Tracker, Zielsetzung und KI-Insight-Surface - plus Financial-Health-Score."}],"whyItWorksHeading":"Warum es funktioniert: Ergebnisbasierte Differenzierung","whyItWorks":[{"title":"Time-to-Value","description":"Die meisten Personal-Finance-Plattformen brauchen 9–18 Monate bis Produktion. KI-Prototyp in 2 Wochen, Live-Konsole in 10."},{"title":"AI-First Prototyping","description":"Jeder Flow im Prototyp validiert, bevor jeglicher Production-Code eine echte Bank-API berührte."},{"title":"Ein verantwortliches Team","description":"Design, KI-Prototyping, PSD2-Integration und Front-End-Engineering unter einem Dach."},{"title":"Ergebnisbasiertes Engagement","description":"Financia zahlte für Meilensteine und Live-Funktionalität."}]},"ru":{"client":"Financia","clientLocation":"Германия","category":"FinTech / Личные Финансы","duration":"Фаза 1 (10 Недель)","title":"Financia - Консоль Личных Финансов с AI-Cashflow Инсайтами","tagline":"AI-Native Трекер Личных Финансов и Бюджета","description":"Дашборд личных финансов, который ингестит транзакции через счета, атрибутирует расходы по категориям, выдаёт AI-cashflow инсайты и запускает live-трекер бюджета.","scope":"AI-прототипирование, UI/UX-дизайн, Разработка и Внедрение","industry":"FinTech / Личные Финансы","timeline":"10 Недель","impacts":[{"value":"10 Недель","label":"Прототип в продакшен","description":"1 неделя scope, 2 недели AI-прототипа, 7 недель сборки с PSD2-агрегацией счетов."},{"value":"Live","label":"Cashflow + бюджет","description":"Доходы, расходы и net cashflow рендерятся live по всем связанным счетам."},{"value":"AI-Инсайты","label":"Покажи что изменилось","description":"Smart-инсайты называют причину и предлагают действие - 'Расходы на ужин +34%'."},{"value":"Health Score","label":"0–100 в одной цифре","description":"Финансовый health score объединяет норму сбережений, debt ratio, runway и поведение."}],"problemShort":"Пользователи Financia имели несколько банковских счетов, разрозненные расходы и никакого согласованного вида cashflow или бюджета.","solutionShort":"Один дашборд, который ингестит транзакции через PSD2, атрибутирует расходы по категориям, запускает live-трекер бюджета с целями и выдаёт AI-инсайты.","challengesHeading":"Вызов: Cashflow Без Путаницы","challengesIntro":"UX личных финансов ошибается двумя способами: слишком клинично или слишком назойливо.","challenges":[{"title":"Агрегация Счетов Между Банками","description":"PSD2-коннекторы возвращают транзакции в несогласованных формах."},{"title":"Категоризация, Которая Держится","description":"Авто-категоризация ошибается достаточно часто, чтобы пользователи переставали ей доверять."},{"title":"Инсайты, Двигающие к Действию","description":"Статичные графики не меняют поведение."},{"title":"GDPR + BaFin Соответствие","description":"Работа в Германии означала строгое data-residency, лицензирование агрегации счетов и consent-потоки."}],"approachHeading":"Наш Подход: 3 Фазы за 10 Недель","approach":[{"number":"01","title":"Discovery и Scoping","description":"Неделя 1: погружение с командами продукта и данных Financia."},{"number":"02","title":"Кликабельный AI-Прототип","description":"Недели 2–3: полностью интерактивный прототип с замоканными PSD2-данными, AI-инсайтами и трекером бюджета."},{"number":"03","title":"Сборка и Запуск","description":"Недели 4–10: продакшен-консоль с PSD2-агрегацией, движком категоризации, трекером бюджета, постановкой целей и AI-инсайтами - плюс financial health score."}],"whyItWorksHeading":"Почему Это Работает: Дифференциация по Результатам","whyItWorks":[{"title":"Скорость к Ценности","description":"Большинство платформ личных финансов занимают 9–18 месяцев. AI-прототип за 2 недели, live-консоль за 10."},{"title":"AI-First Прототипирование","description":"Каждый поток проверен в прототипе до того как любой продакшен-код коснулся реального банковского API."},{"title":"Одна Ответственная Команда","description":"Дизайн, AI-прототипирование, PSD2-интеграция и фронтенд-инжиниринг под одной крышей."},{"title":"Ангажемент по Результатам","description":"Financia платил за вехи и live-функциональность."}]},"nl":{"client":"Financia","clientLocation":"Duitsland","category":"FinTech / Persoonlijke Financiën","duration":"Fase 1 (10 Weken)","title":"Financia - Persoonlijke Financiën Console met AI Cashflow Inzichten","tagline":"AI-Native Persoonlijke Financiën & Budget Tracker","description":"Persoonlijke financiën dashboard dat transacties over rekeningen ingest, uitgaven per categorie toewijst en AI-cashflow inzichten oppervlakt met live budget tracker.","scope":"AI-Prototyping, UI/UX-Ontwerp, Ontwikkeling en Levering","industry":"FinTech / Persoonlijke Financiën","timeline":"10 Weken","impacts":[{"value":"10 Weken","label":"Prototype tot productie","description":"1 week scope, 2 weken AI-prototype, 7 weken productie-build met PSD2-rekeningaggregatie."},{"value":"Live","label":"Cashflow + budget","description":"Inkomen, uitgaven en netto cashflow live gerenderd over alle gekoppelde rekeningen."},{"value":"AI-Inzichten","label":"Toon wat veranderde","description":"Smart inzichten benoemen oorzaak en stellen actie voor - 'Restaurant uitgaven +34%'."},{"value":"Health Score","label":"0–100 in één getal","description":"Financiële health score combineert spaarpercentage, schuldratio, runway en gedrag."}],"problemShort":"Financia's gebruikers hadden meerdere bankrekeningen, verspreide uitgaven en geen consistent zicht op cashflow of budget.","solutionShort":"Eén dashboard dat transacties via PSD2 ingest, uitgaven per categorie toewijst en AI-inzichten oppervlakt die oorzaak benoemen.","challengesHeading":"De Uitdaging: Cashflow Zonder Verwarring","challengesIntro":"Persoonlijke financiën-UX faalt op twee manieren: te klinisch of te pushy.","challenges":[{"title":"Rekening-Aggregatie Tussen Banken","description":"PSD2-connectoren retourneren transacties in inconsistente vormen."},{"title":"Categorisatie Die Houdt","description":"Auto-categorisatie zit vaak genoeg verkeerd dat gebruikers stoppen met vertrouwen."},{"title":"Inzichten Die Tot Actie Drijven","description":"Statische grafieken veranderen geen gedrag."},{"title":"GDPR + BaFin Compliance","description":"In Duitsland werken betekende strikte data-residentie en consent flows onder GDPR + BaFin toezicht."}],"approachHeading":"Onze Aanpak: 3 Fases in 10 Weken","approach":[{"number":"01","title":"Discovery & Scoping","description":"Week 1: ingebed met Financia product- en datateams."},{"number":"02","title":"Klikbaar AI-Prototype","description":"Weken 2–3: volledig interactief prototype met gemockte PSD2-data, AI-inzichten en budget tracker."},{"number":"03","title":"Build & Lancering","description":"Weken 4–10: productieconsole met PSD2-rekeningaggregatie, categorisatiemotor, budget tracker, doelinstelling en AI-inzicht surface - plus financiële health score."}],"whyItWorksHeading":"Waarom Het Werkt: Resultaatgerichte Differentiatie","whyItWorks":[{"title":"Snelheid naar Waarde","description":"De meeste persoonlijke financiën platforms duren 9–18 maanden. AI-prototype in 2 weken, live console in 10."},{"title":"AI-First Prototyping","description":"Elke flow gevalideerd in het prototype voor enige productiecode op een echte bank-API."},{"title":"Eén Verantwoordelijk Team","description":"Ontwerp, AI-prototyping, PSD2-integratie en front-end engineering onder één dak."},{"title":"Resultaatgericht Engagement","description":"Financia betaalde voor mijlpalen en live functionaliteit."}]},"ja":{"client":"Financia","clientLocation":"ドイツ","category":"FinTech / 個人金融","duration":"フェーズ1(10週間)","title":"Financia - AIキャッシュフローインサイト付き個人金融コンソール","tagline":"AI-Native個人金融&予算トラッカー","description":"アカウント間で取引を取り込み、カテゴリ別に支出を帰属させ、AIキャッシュフローインサイトを表面化し、目標設定付きライブ予算トラッカーを実行する個人金融ダッシュボード。","scope":"AIプロトタイピング、UI/UXデザイン、開発、納品","industry":"FinTech / 個人金融","timeline":"10週間","impacts":[{"value":"10週間","label":"プロトタイプから本番へ","description":"1週間スコープ、2週間AIプロトタイプ、7週間PSD2アカウント集約付き本番構築。"},{"value":"ライブ","label":"キャッシュフロー+予算","description":"収入、支出、純キャッシュフローをリンクされたすべてのアカウントでカテゴリ帰属付きでライブレンダリング。"},{"value":"AIインサイト","label":"変化したものを表面化","description":"スマートインサイトが原因を名指し、行動を提案 - 「外食支出が34%増、平均より62ドル多い」。"},{"value":"ヘルススコア","label":"1つの数字で0-100","description":"金融ヘルススコアが貯蓄率、債務比率、ランウェイ、行動を1つのシグナルに結合。"}],"problemShort":"Financiaのユーザーは複数の銀行口座、散在する支出、キャッシュフローや予算の一貫した視点なしを持っていた。","solutionShort":"PSD2経由で取引を取り込み、カテゴリ別に支出を帰属させ、目標付きライブ予算トラッカーを実行し、原因を名指して行動を提案するAIインサイトを表面化する単一ダッシュボード。","challengesHeading":"課題:混乱なしのキャッシュフロー","challengesIntro":"個人金融UXは2つの間違いを犯す:臨床的すぎるか押し付けがましすぎるか。","challenges":[{"title":"銀行間アカウント集約","description":"PSD2コネクターは一貫性のない形で取引を返す。"},{"title":"持続するカテゴリ分類","description":"自動カテゴリ分類は十分頻繁に間違うため、ユーザーは信頼を失う。"},{"title":"行動を駆動するインサイト","description":"静的チャートは行動を変えない。"},{"title":"GDPR + BaFinコンプライアンス","description":"ドイツでの運営は厳格なデータ常駐性、アカウント集約ライセンス、GDPR + BaFin監督下の同意フローを意味した。"}],"approachHeading":"アプローチ:10週間で3フェーズ","approach":[{"number":"01","title":"ディスカバリーとスコーピング","description":"1週目:Financiaのプロダクトとデータチームに組み込み。"},{"number":"02","title":"AI駆動クリック可能プロトタイプ","description":"2-3週目:モックされたPSD2データ、AIインサイト、予算トラッカー付き完全インタラクティブプロトタイプ。"},{"number":"03","title":"本番構築と立ち上げ","description":"4-10週目:PSD2アカウント集約、カテゴリ分類エンジン、予算トラッカー、目標設定、AIインサイトサーフェス、金融ヘルススコア付き本番コンソール。"}],"whyItWorksHeading":"成功理由:結果ベースの差別化","whyItWorks":[{"title":"価値実現の速さ","description":"ほとんどの個人金融プラットフォームは本番まで9-18ヶ月。AIプロトタイプを2週間、ライブコンソールを10週間で。"},{"title":"AI-Firstプロトタイピング","description":"本番コードが実際の銀行APIに触れる前に各フローをプロトタイプで検証。"},{"title":"単一の責任チーム","description":"デザイン、AIプロトタイピング、PSD2統合、フロントエンドエンジニアリングを一つ屋根の下で。"},{"title":"結果ベースのエンゲージメント","description":"Financiaはマイルストーンとライブ機能に対して支払った。"}]},"ko":{"client":"Financia","clientLocation":"독일","category":"FinTech / 개인 금융","duration":"1단계 (10주)","title":"Financia - AI 캐시플로우 인사이트 포함 개인 금융 콘솔","tagline":"AI-Native 개인 금융 및 예산 트래커","description":"계정 전반에 거래를 수집하고, 카테고리별로 지출을 귀속시키고, AI 캐시플로우 인사이트를 표면화하고, 라이브 예산 트래커를 실행하는 개인 금융 대시보드.","scope":"AI 프로토타이핑, UI/UX 디자인, 개발 및 납품","industry":"FinTech / 개인 금융","timeline":"10주","impacts":[{"value":"10주","label":"프로토타입에서 프로덕션","description":"1주 범위, 2주 AI 프로토타입, 7주 PSD2 계정 집계 프로덕션 빌드."},{"value":"라이브","label":"캐시플로우 + 예산","description":"수입, 지출, 순 캐시플로우를 모든 연결된 계정에서 카테고리 귀속과 함께 라이브로 렌더링."},{"value":"AI 인사이트","label":"변경된 것을 표면화","description":"스마트 인사이트가 원인을 명명하고 행동을 제안 - '식사 지출 34% 증가'."},{"value":"헬스 점수","label":"한 숫자로 0-100","description":"금융 헬스 점수가 저축률, 부채 비율, 활주로, 행동을 한 신호로 결합."}],"problemShort":"Financia 사용자들은 여러 은행 계좌, 분산된 지출, 캐시플로우 또는 예산의 일관된 보기 없음을 가지고 있었다.","solutionShort":"PSD2를 통해 거래를 수집하고, 카테고리별로 지출을 귀속시키고, 목표가 있는 라이브 예산 트래커를 실행하고, 원인을 명명하고 행동을 제안하는 AI 인사이트를 표면화하는 단일 대시보드.","challengesHeading":"도전 과제: 혼란 없는 캐시플로우","challengesIntro":"개인 금융 UX는 두 가지 잘못을 한다: 너무 임상적이거나 너무 강요적이다.","challenges":[{"title":"은행 간 계정 집계","description":"PSD2 커넥터는 일관성 없는 모양으로 거래를 반환."},{"title":"지속되는 카테고리화","description":"자동 카테고리화는 충분히 자주 틀려 사용자가 신뢰를 잃는다."},{"title":"행동을 주도하는 인사이트","description":"정적 차트는 행동을 바꾸지 않는다."},{"title":"GDPR + BaFin 컴플라이언스","description":"독일 운영은 엄격한 데이터 거주성, 계정 집계 라이선싱, GDPR + BaFin 감독 하의 동의 흐름을 의미."}],"approachHeading":"접근 방식: 10주 동안 3단계","approach":[{"number":"01","title":"디스커버리 및 스코핑","description":"1주차: Financia 제품 및 데이터 팀에 내장."},{"number":"02","title":"AI 기반 클릭 가능 프로토타입","description":"2-3주차: 모킹된 PSD2 데이터, AI 인사이트, 예산 트래커가 있는 완전 인터랙티브 프로토타입."},{"number":"03","title":"프로덕션 빌드 및 출시","description":"4-10주차: PSD2 계정 집계, 카테고리화 엔진, 예산 트래커, 목표 설정, AI 인사이트 표면, 금융 헬스 점수 포함 프로덕션 콘솔."}],"whyItWorksHeading":"작동 이유: 결과 기반 차별화","whyItWorks":[{"title":"가치 실현 속도","description":"대부분의 개인 금융 플랫폼은 9-18개월. AI 프로토타입을 2주, 라이브 콘솔을 10주에."},{"title":"AI-First 프로토타이핑","description":"프로덕션 코드가 실제 은행 API에 닿기 전 모든 흐름을 프로토타입에서 검증."},{"title":"단일 책임 팀","description":"디자인, AI 프로토타이핑, PSD2 통합, 프론트엔드 엔지니어링을 한 지붕 아래에서."},{"title":"결과 기반 계약","description":"Financia는 마일스톤과 라이브 기능에 대해 지불."}]},"el":{"client":"Financia","clientLocation":"Γερμανία","category":"FinTech / Προσωπικά Οικονομικά","duration":"Φάση 1 (10 Εβδομάδες)","title":"Financia - Κονσόλα Προσωπικών Οικονομικών με AI Cashflow Insights","tagline":"AI-Native Tracker Προσωπικών Οικονομικών και Προϋπολογισμού","description":"Dashboard προσωπικών οικονομικών που ενσωματώνει συναλλαγές μεταξύ λογαριασμών.","scope":"AI Πρωτοτύπωση, UI/UX Σχεδιασμός, Ανάπτυξη και Παράδοση","industry":"FinTech / Προσωπικά Οικονομικά","timeline":"10 Εβδομάδες","impacts":[{"value":"10 Εβδομάδες","label":"Πρωτότυπο προς παραγωγή","description":"1 εβδομάδα scope, 2 εβδομάδες AI-πρωτότυπο, 7 εβδομάδες παραγωγή."},{"value":"Live","label":"Cashflow + προϋπολογισμός","description":"Έσοδα, έξοδα, καθαρή ταμειακή ροή live σε όλους τους συνδεδεμένους λογαριασμούς."},{"value":"AI Insights","label":"Δείξε τι άλλαξε","description":"Smart insights ονομάζουν αιτία και προτείνουν δράση."},{"value":"Health Score","label":"0-100 σε έναν αριθμό","description":"Financial health score συνδυάζει ποσοστό αποταμίευσης και συμπεριφορά."}],"problemShort":"Οι χρήστες της Financia είχαν πολλαπλούς τραπεζικούς λογαριασμούς.","solutionShort":"Ένα dashboard που ενσωματώνει συναλλαγές μέσω PSD2.","challengesHeading":"Η Πρόκληση: Cashflow Χωρίς Σύγχυση","challengesIntro":"Το UX προσωπικών οικονομικών αποτυγχάνει με δύο τρόπους.","challenges":[{"title":"Συσσωμάτωση Λογαριασμών Μεταξύ Τραπεζών","description":"Τα PSD2 connectors επιστρέφουν συναλλαγές σε ασυνεπείς μορφές."},{"title":"Κατηγοριοποίηση Που Κρατάει","description":"Η αυτο-κατηγοριοποίηση κάνει αρκετά λάθη."},{"title":"Insights Που Οδηγούν σε Δράση","description":"Στατικά διαγράμματα δεν αλλάζουν συμπεριφορά."},{"title":"Συμμόρφωση GDPR + BaFin","description":"Η λειτουργία στη Γερμανία σήμαινε αυστηρή κατοικία δεδομένων."}],"approachHeading":"Η Προσέγγισή μας: 3 Φάσεις σε 10 Εβδομάδες","approach":[{"number":"01","title":"Ανακάλυψη και Scoping","description":"Εβδομάδα 1: ενσωματωμένοι με τις ομάδες της Financia."},{"number":"02","title":"AI Κλικαβλέ Πρωτότυπο","description":"Εβδομάδες 2-3: πλήρως διαδραστικό πρωτότυπο."},{"number":"03","title":"Παραγωγή και Εκκίνηση","description":"Εβδομάδες 4-10: κονσόλα παραγωγής με PSD2 συσσωμάτωση λογαριασμών."}],"whyItWorksHeading":"Γιατί Λειτουργεί: Διαφοροποίηση Βάσει Αποτελεσμάτων","whyItWorks":[{"title":"Ταχύτητα στην Αξία","description":"Οι περισσότερες πλατφόρμες προσωπικών οικονομικών παίρνουν 9-18 μήνες."},{"title":"AI-First Πρωτοτύπωση","description":"Κάθε ροή επικυρώθηκε στο πρωτότυπο."},{"title":"Μία Υπεύθυνη Ομάδα","description":"Σχεδιασμός, AI πρωτοτύπωση, PSD2 ενσωμάτωση κάτω από μία στέγη."},{"title":"Δέσμευση Βάσει Αποτελεσμάτων","description":"Η Financia πλήρωσε για ορόσημα."}]}},"others":[{"meta":{"slug":"bangul","industry":"personal-finance","projectType":"Savings goals & round-ups","country":"kr","tags":["fintech"],"compliances":["Credit Information Use and Protection Act (MyData)","Real Name Financial Transactions Act","PIPA","Electronic Financial Transactions Act","Financial Consumer Protection Act","KDIC deposit protection","Network Act (advertising consent)","Telecommunications Fraud Refund Act"],"cover":{"src":"/case-studies/bangul/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Bangul - Savings Goals and Round-Ups App with Bank-Held Savings","description":"Designed and built a clickable savings app for a Seoul fintech with a MyData licence: customers set goals, switch on round-ups, payday, weekly, guilty pleasure, rainy day and challenge rules, and see every won their rules move into a savings pocket held in their name at a partner bank.","category":"Personal Finance / Savings Goals & Round-Ups","client":"Onmaru Labs"}}},{"meta":{"slug":"cairn","industry":"personal-finance","projectType":"Debt payoff coach","country":"us","tags":["fintech","mobile"],"compliances":["FCRA","Credit Repair Organizations Act","GLBA","FTC Safeguards Rule","UDAAP","CARD Act","FDCPA","TCPA","CAN-SPAM","CFPB Section 1033","WCAG 2.2 AA"],"cover":{"src":"/case-studies/cairn/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Cairn - Debt Payoff Coach with Side-by-Side Payoff Plans and No Offers","description":"Designed and built a clickable debt payoff coach for a US personal finance company: every card and loan in one list, avalanche, snowball and custom plans compared against paying only the minimums, a minimum-only versus plan view on every debt, and a read-only credit score with no card or loan offers anywhere.","category":"Personal Finance / Debt Payoff Coach","client":"Lindenfield Money, Inc."}}},{"meta":{"slug":"cluse","industry":"personal-finance","projectType":"Subscription tracker","country":"fr","tags":["fintech"],"compliances":["Three-click cancellation (L215-1-1)","Loi Chatel","Loi Hamon","Consumer Rights Directive","PSD2","SEPA Core Direct Debit","eIDAS","Ranking disclosure (L111-7)","Unfair Commercial Practices Directive","Digital Services Act","GDPR","WCAG 2.2 AA and RGAA"],"cover":{"src":"/case-studies/cluse/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Écluse - Subscription Tracker That Finds, Cancels and Checks Every Recurring Charge","description":"Designed and built a clickable subscription tracker for a Lyon consumer app company: it finds the recurring charges in a member's bank accounts, explains which French consumer rule lets them leave, writes the cancellation letter or email, and watches the account until the charges really stop.","category":"Personal Finance / Subscription Tracking","client":"Pervenche Labs SAS"}}},{"meta":{"slug":"kaudi","industry":"personal-finance","projectType":"Family money app","country":"in","tags":["fintech"],"compliances":["RBI PPI Master Directions","PSS Act 2007","DPDP Act 2023","DPDP Rules 2025","RBI card tokenisation","PCI DSS","RBI failed-transaction TAT","RBI Integrated Ombudsman Scheme","Online Gaming Act 2025","TRAI DLT"],"cover":{"src":"/case-studies/kaudi/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Kaudi - Family Money App with Parent-Controlled RuPay Cards","description":"Designed and built a clickable family money app for a Bengaluru fintech and its partner bank: parents top up each child's bank-issued prepaid wallet over UPI, set allowances and limits, approve requests and freeze cards, while teens aged 10 to 17 spend on a RuPay card that only works where their parent allows.","category":"Personal Finance / Family Money App","client":"Saanjh Fintech"}}},{"meta":{"slug":"keelstone","industry":"banking","projectType":"Core banking back office","country":"sg","tags":["fintech","enterprise","saas"],"compliances":["MAS TRM Guidelines","MAS Notice FSM-N05","MAS Notice 626","MAS E-Payments User Protection Guidelines","PDPA Singapore","Banking Act s47"],"cover":{"src":"/case-studies/keelstone/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Keelstone - Core Banking Back-Office Console with Maker-Checker","description":"Designed and built a clickable back-office console for a Singapore bank's deposit operations: holds and blocks, limit changes, fee waivers, payment repairs and end-of-day, with every money-moving change going through maker-checker approval.","category":"Banking / Core Banking Operations","client":"Straits Meridian Bank"}}}]}