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How We Built An AI Powered Personal
Finance Platform Securely
A secure, compliant, and modular financial technology foundation engineered for high-volume transactions, strict regulatory controls, and rapid feature development from day one.
Go Back
Type
Personal Finance Platform
Type
Personal Finance Platform
Type
Personal Finance Platform
Platform
Web, Mobile
Platform
Web, Mobile
Platform
Web, Mobile
Industry
Financial Technology (FinTech)
Industry
Financial Technology (FinTech)
Industry
Financial Technology (FinTech)

Avenue 7
Media
Avenue 7 Media
Avenue 7 Media
The client is a fintech startup from former Capital One executives, building a next-gen payment card and financial management platform. Their goal is to help people spend smarter, reduce stress, avoid debt, and build savings and credit, within a modern, convenient experience. With sensitive data and real-time guidance, they needed a secure, intelligent, scalable platform from day one.
Key Results
Beyond the immediate metrics, this foundation secured the client’s market position, strengthened investor confidence, and unlocked sustainable long-term growth.
Beyond the immediate metrics, this foundation secured Kizuna's market position
and unlocked long-term, unhindered growth.
40%
faster transaction processing through optimized Node.js architecture
40%
faster transaction processing through optimized Node.js architecture
40%
faster transaction processing through optimized Node.js architecture
PCI and SOC2
compliant infrastructure from day one
PCI and SOC2
compliant infrastructure from day one
PCI and SOC2
compliant infrastructure from day one
99.9%
uptime during early user onboarding and growing transaction volume
99.9%
uptime during early user onboarding and growing transaction volume
99.9%
uptime during early user onboarding and growing transaction volume
Techstars
investment secured, backed by a scalable and intelligent fintech foundation
Techstars
investment secured, backed by a scalable and intelligent fintech foundation
Techstars
investment secured, backed by a scalable and intelligent fintech foundation



The Challenge
When the founders began building their platform, they faced a familiar fintech challenge: how to blend speed, automation, and compliance without sacrificing stability.
Most personal finance platforms rely on quick fixes or basic frameworks, but the issues surface quickly:
Manual money tracking gets abandoned
Manual money tracking gets abandoned
Manual money tracking gets abandoned
Alerts that react after financial mistakes happen
Alerts that react after financial mistakes happen
Alerts that react after financial mistakes happen
Compliance gaps that put sensitive data at risk
Compliance gaps that put sensitive data at risk
Compliance gaps that put sensitive data at risk
The client wanted to avoid these traps by building intelligence-first foundations that automated financial decisions and guided responsible spending habits from day one.
The Solution
Better Software partnered with the client to deliver a product development approach that treated AI-driven automation, security, and real-time financial intelligence as non-negotiable, resulting in a comprehensive “financial brain” platform built for long-term scale.
Our Approach
AI-powered categorization
to automate money organization and eliminate manual tracking
AI-powered categorization
to automate money organization and eliminate manual tracking
AI-powered categorization
to automate money organization and eliminate manual tracking
Smart spending controls
with automatic card blocking to prevent overspending in real time
Smart spending controls
with automatic card blocking to prevent overspending in real time
Smart spending controls
with automatic card blocking to prevent overspending in real time
Enterprise-grade security
with PCI and SOC2 compliance built in from launch
Enterprise-grade security
with PCI and SOC2 compliance built in from launch
Enterprise-grade security
with PCI and SOC2 compliance built in from launch
Scalable, real-time
processing architecture for seamless user experience across all financial events
Scalable, real-time
processing architecture for seamless user experience across all financial events
Scalable, real-time
processing architecture for seamless user experience across all financial events
Technology Used
The Impact
This strategic investment in foundational engineering directly addressed the client’s core challenges, unlocking measurable improvements across automation, security, and reliability.
Challenges
Manual management drives abandonment
Reactive alerts only after financial damage is done
Compliance gaps delaying enterprise adoption
Static interfaces with limited personalization
Automated categorization, smart guidance
Real-time overspending controls
PCI + SOC2 compliant from day one
AI-driven recommendations improving user retention
Before
Challenges
Challenges
Manual management drives abandonment
Manual management drives abandonment
Reactive alerts only after financial damage is done
Reactive alerts only after financial damage is done
Compliance gaps delaying enterprise adoption
Compliance gaps delaying enterprise adoption
Static interfaces with limited personalization
Static interfaces with limited personalization
After
Software
Software
Automated categorization, smart guidance
Automated categorization, smart guidance
Automated categorization, smart guidance
Real-time overspending controls
Real-time overspending controls
Real-time overspending controls
PCI + SOC2 compliant from day one
PCI + SOC2 compliant from day one
PCI + SOC2 compliant from day one
AI-driven recommendations improving user retention
AI-driven recommendations improving user retention
AI-driven recommendations improving user retention
Lessons For Others Founders
Lessons For Others Founders
Security-first is not optional in fintech; it’s business insurance that accelerates growth.
Security-first is not optional in fintech; it’s business insurance that accelerates growth.
Security-first is not optional in fintech; it’s business insurance that accelerates growth.
Intelligent automation, scalable architecture, and strong compliance foundations provide the highest ROI.
Intelligent automation, scalable architecture, and strong compliance foundations provide the highest ROI.
Intelligent automation, scalable architecture, and strong compliance foundations provide the highest ROI.
Expect early investment in strong foundations to pay back within 6–12 months through higher engagement, lower churn, and faster enterprise readiness.
Expect early investment in strong foundations to pay back within 6–12 months through higher engagement, lower churn, and faster enterprise readiness.
Expect early investment in strong foundations to pay back within 6–12 months through higher engagement, lower churn, and faster enterprise readiness.

Ready To Build Your Foundation?
Let's Discuss Your Roadmap
Better Software helped the client build an automation-ready data platform that transformed how energy companies access and interact with their most valuable resource, their data. With the right engineering foundations, organizations don’t have to choose between speed and sophistication.
Better Software helped the client build a personal finance platform that was secure, intelligent, and ready for growth—proving that with the right product development approach, fintech startups don’t have to choose between moving fast and building strong.
Better Software helped the client build a personal finance platform that was secure, intelligent, and ready for growth—proving that with the right product development approach, fintech startups don’t have to choose between moving fast and building strong.




