AI-Native Personal Finance & Budget Tracker
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.
Most of our work is under NDA. Per agreement, we can share the work but not the company details — all names and identifying information shown here have been changed.
1 week scope, 2 weeks clickable AI prototype, 7 weeks production build with PSD2 account aggregation.
Income, expenses and net cash flow rendered live across all linked accounts with category attribution.
Smart insights name cause and suggest action — 'Dining spend up 34%, $62 above your average'.
Financial health score combines savings rate, debt ratio, runway, and behaviour into one signal.
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.
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.
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.
PSD2 connectors return transactions in inconsistent shapes. Reconciliation, deduplication and categorisation had to happen server-side without showing the user the mess.
Auto-categorisation is wrong often enough that users stop trusting it. We needed a model that explained itself and let the user override quickly.
Static charts don't change behaviour. Users wanted insights that name cause ('dining spend up 34%') and suggest a one-tap fix.
Operating in Germany meant strict data-residency, account-aggregation licensing, and consent flows under GDPR + BaFin oversight.
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.
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.
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.
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.
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.
Design, AI prototyping, PSD2 integration, and front-end engineering under one roof — no handoff between an app studio and a banking-aggregator vendor.
Financia paid for milestones and live functionality, not hours. Our incentives were tied directly to shipping a console that users actually opened weekly.
Built a multi-department clinic operations console with appointment management, department load tracking, staff performance, resource utilisation and an AI assistant for staff queries — shipped from clickable AI prototype to production in 14 weeks.
Replaced fragmented policy spreadsheets and disconnected claims tools with a unified AI-driven workspace, designed and shipped in 8 weeks via clickable AI prototype.
Enterprise Software Engineering — Human + AI
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Enterprise Software Engineering — Human + AI
Global Headquarters
21 Merchant Road, 3rd Floor, Singapore 058267
Main corporate office and leadership operations
North America Office
548 Market Street, PMB 12345, San Francisco, CA 94104
Client operations and business development
India Office
402 Shivalik Shilp II, SG Highway, Ahmedabad 380015
Engineering and delivery center
© 2026 — Copyright. All Rights reserved Oceanlab