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Fragmented data
Accounts at different banks, credit cards, pension, savings funds, portfolios and assets – each on a different site with a different password.
The problem, the solution, and why now
How FinGenie turns scattered financial data into one picture and personal recommendations.
The problem
Our money is scattered. Our decisions are blind.
Most people don't know what they're really worth, what they're paying, or where their money could work harder.
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No one to ask
Objective, personal financial advice is expensive and available to few. Most people decide on gut feeling or a friend's tip.
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Partial solutions
Existing products focus on displaying data. What's missing is personal advice based on each person's complete financial picture.
The solution
A "must have" app for everyday money management
FinGenie displays and manages all your financial information in one place – and adds what no one else has: personal advice.
Full picture
Checking, savings, pension, investments, assets and liabilities – a complete real-time financial snapshot with real added value.
Personal advice
Tailored recommendations based on the user's own financial data – a capability no competing product offers.
Global product
Built on a worldwide Public API standard – the same product works in Europe and in every market adopting Open Banking.
Privacy & security
Bank connections go through the official Open Banking interfaces and only with the user's consent – no passwords shared.
The vision
A personal financial advisor in everyone's pocket
The goal: a personal app for everyone, with a FinGenie advisor that keeps track of your money on an ongoing basis and speaks up when there's a meaningful opportunity.
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Refinancing loans and mortgages
Ongoing tracking of interest rates, with a recommendation to refinance a loan or mortgage when a significantly better rate is available.
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Savings that work for you
The same tracking for your savings – an alert when a plan with significantly better terms or fees is available.
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Value offers based on your assets
Personalized offers based on the value of your personal assets – not generic ads, but what's actually relevant to you.
Why now
Regulation opened the door. The time to build is now.
Open Banking is one of the most significant trends in financial services: it lets third-party providers (TPPs) build new services on top of customers' data – with their consent.
The EU's PSD2 directive broke the banks' monopoly on customer data, and more and more markets are following with Open Banking regulation that requires banks to open their services. Implementation uses a worldwide Public API standard – as already done at BBVA and other European banks.
⚖️RegulationPSD2 · EU
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🏦Open BankingOpen Banking Public API
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🧞FinGeniePersonal advice for everyone
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