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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.

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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)

Spiral

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.

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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

Mobile in-hand
Mobile in-hand
Mobile in-hand

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.

Spiral

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.

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