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How Better Software Built a Personal Finance Platform That Simplified Money Management Through AI-Driven Automation

Item: Bettr
Rating: 5
Author: Client

A secure, compliant, and intelligent personal finance foundation engineered to automate financial decision-making, guide responsible spending, and handle sensitive data from day one.

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

The client is a fintech startup founded by former Capital One executives, focused on building a next-generation payment card and financial management platform. Their mission is to help people make smarter spending decisions, reduce financial stress, avoid debt, grow savings, and build credit—without sacrificing convenience or modern user experience. With sensitive financial data and real-time guidance at the core, the client needed a platform that was secure, intelligent, and ready to scale 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.

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 that becomes overwhelming and abandoned

Alerts that react after financial mistakes happen

Expensive rewrites that delay growth by months

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

TECHNOLGY USED

The Impact

This strategic investment in foundational engineering directly addressed the client’s core challenges, unlocking measurable improvements across automation, security, and reliability.

Before

Challenges

Manual money management leading to high user abandonment

Reactive alerts only after financial damage is done

Compliance gaps delaying enterprise adoption

Static interfaces with limited personalization

After

Software

Automated categorization and intelligent spending guidance

Proactive controls that block overspending in real-time

PCI + SOC2 compliant from day one

AI-driven recommendations improving user retention

LESSONS FOR OTHERS FOUNDERS

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.

Expect early investment in strong foundations to pay back within 6–12 months through higher engagement, lower churn, and faster enterprise readiness.

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.