Should I Build It Should I Build It
23 Jul 2025
Artificial Intelligence Fintech

A Financial advisory agentic ai system. It will give financial advices ...

...tailored to the user

Confidence
Engagement
Net use signal
Net buy signal

Idea type: Freemium

People love using similar products but resist paying. You’ll need to either find who will pay or create additional value that’s worth paying for.

Should You Build It?

Build but think about differentiation and monetization.

Your are here

Your idea for a financial advisory agentic AI system places you in a competitive landscape, with around 20 similar products already launched. The good news is that many users are interested in AI-powered financial advice. The category is 'Freemium', meaning users like to try these products but are hesitant to pay for them. The average engagement across similar products is medium, suggesting moderate interest in these solutions. Given this context, you'll need to focus on identifying what unique value your AI advisor offers and how you can convince users to upgrade from the free version to a paid one. Differentiation and a clear monetization strategy are key to success.

Recommendations

  1. Start by identifying the specific user segments who derive the most value from the free version of your AI financial advisor. For example, are they students managing budgets, or young professionals saving for a down payment? Understanding their needs will inform your premium feature development.
  2. Develop premium features that directly address the pain points of your target users. For instance, if they need help with investment decisions, offer AI-driven portfolio analysis and personalized investment recommendations in the paid version. Consider features like advanced tax optimization strategies or estate planning tools.
  3. Explore team-based pricing if your AI advisor can cater to small businesses or families. Offering collaborative financial planning tools can justify a higher price point and attract a different customer base. Consider the feature requests for accessing shared finances with privacy controls seen in similar product discussions.
  4. Offer personalized financial consulting or coaching as a premium service, complementing the AI's automated advice. This human touch can build trust and justify a higher price point, especially for users with complex financial situations. This could bridge the gap between what the AI offers and what a traditional financial advisor provides.
  5. Test various pricing strategies with small user groups to find the optimal balance between adoption and revenue. Experiment with tiered pricing based on feature access or usage limits. Launch a beta program with different price points and gather feedback on perceived value. Given the criticism around pricing being unrealistic for value delivered, make sure your pricing is competitive.
  6. Address security and privacy concerns head-on, as this is a recurring theme in user feedback for similar products. Clearly communicate your data security measures and ensure compliance with relevant regulations. Highlighting read-only access and data encryption can build user confidence.
  7. Focus on integrating with a wide range of financial institutions, especially those popular in your target markets. Many users of similar products have requested broader bank integration, so prioritizing this will improve user experience and attract more customers.
  8. Actively gather user feedback and iterate on your product based on their needs. Continuously monitor user engagement and feature usage to identify areas for improvement. Actively participate in online communities and forums to gather feedback and address user concerns.

Questions

  1. What specific, unmet financial needs are you uniquely positioned to address with your AI advisor, and how will your solution differentiate itself from existing freemium offerings?
  2. Given the user concerns about data privacy and security, how will you build trust and ensure the confidentiality of sensitive financial information?
  3. How will you balance providing accurate and personalized financial advice through AI while also complying with regulations and avoiding liability for potentially harmful recommendations?

Your are here

Your idea for a financial advisory agentic AI system places you in a competitive landscape, with around 20 similar products already launched. The good news is that many users are interested in AI-powered financial advice. The category is 'Freemium', meaning users like to try these products but are hesitant to pay for them. The average engagement across similar products is medium, suggesting moderate interest in these solutions. Given this context, you'll need to focus on identifying what unique value your AI advisor offers and how you can convince users to upgrade from the free version to a paid one. Differentiation and a clear monetization strategy are key to success.

Recommendations

  1. Start by identifying the specific user segments who derive the most value from the free version of your AI financial advisor. For example, are they students managing budgets, or young professionals saving for a down payment? Understanding their needs will inform your premium feature development.
  2. Develop premium features that directly address the pain points of your target users. For instance, if they need help with investment decisions, offer AI-driven portfolio analysis and personalized investment recommendations in the paid version. Consider features like advanced tax optimization strategies or estate planning tools.
  3. Explore team-based pricing if your AI advisor can cater to small businesses or families. Offering collaborative financial planning tools can justify a higher price point and attract a different customer base. Consider the feature requests for accessing shared finances with privacy controls seen in similar product discussions.
  4. Offer personalized financial consulting or coaching as a premium service, complementing the AI's automated advice. This human touch can build trust and justify a higher price point, especially for users with complex financial situations. This could bridge the gap between what the AI offers and what a traditional financial advisor provides.
  5. Test various pricing strategies with small user groups to find the optimal balance between adoption and revenue. Experiment with tiered pricing based on feature access or usage limits. Launch a beta program with different price points and gather feedback on perceived value. Given the criticism around pricing being unrealistic for value delivered, make sure your pricing is competitive.
  6. Address security and privacy concerns head-on, as this is a recurring theme in user feedback for similar products. Clearly communicate your data security measures and ensure compliance with relevant regulations. Highlighting read-only access and data encryption can build user confidence.
  7. Focus on integrating with a wide range of financial institutions, especially those popular in your target markets. Many users of similar products have requested broader bank integration, so prioritizing this will improve user experience and attract more customers.
  8. Actively gather user feedback and iterate on your product based on their needs. Continuously monitor user engagement and feature usage to identify areas for improvement. Actively participate in online communities and forums to gather feedback and address user concerns.

Questions

  1. What specific, unmet financial needs are you uniquely positioned to address with your AI advisor, and how will your solution differentiate itself from existing freemium offerings?
  2. Given the user concerns about data privacy and security, how will you build trust and ensure the confidentiality of sensitive financial information?
  3. How will you balance providing accurate and personalized financial advice through AI while also complying with regulations and avoiding liability for potentially harmful recommendations?

  • Confidence: High
    • Number of similar products: 20
  • Engagement: Medium
    • Average number of comments: 4
  • Net use signal: 26.7%
    • Positive use signal: 35.7%
    • Negative use signal: 9.0%
  • Net buy signal: -3.0%
    • Positive buy signal: 4.8%
    • Negative buy signal: 7.8%

This chart summarizes all the similar products we found for your idea in a single plot.

The x-axis represents the overall feedback each product received. This is calculated from the net use and buy signals that were expressed in the comments. The maximum is +1, which means all comments (across all similar products) were positive, expressed a willingness to use & buy said product. The minimum is -1 and it means the exact opposite.

The y-axis captures the strength of the signal, i.e. how many people commented and how does this rank against other products in this category. The maximum is +1, which means these products were the most liked, upvoted and talked about launches recently. The minimum is 0, meaning zero engagement or feedback was received.

The sizes of the product dots are determined by the relevance to your idea, where 10 is the maximum.

Your idea is the big blueish dot, which should lie somewhere in the polygon defined by these products. It can be off-center because we use custom weighting to summarize these metrics.

Similar products

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Fina - Your AI financial advisor

26 May 2023 Fintech Personal Finance Artificial Intelligence

Fina's simple interface allows you to connect accounts, categorize transactions, and track custom metrics. Want to know specific things like: "How much money have I actually spent at Starbucks this year??" Just ask! Flexible financial management has arrived🧙

Fina's Product Hunt launch garnered considerable positive feedback. Users praise its intuitive design, ease of onboarding, and AI-driven approach to personal finance management, highlighting its potential to improve financial clarity, track expenses, and identify overspending. The game-changing linked block philosophy, similar to Notion, resonated with many. Security and privacy, particularly the read-only access, were appreciated. Several users requested broader bank integration, specifically for UK, Irish, and European banks, and amount-based rules. Many congratulated the makers on the launch and expressed excitement for Fina's future growth and potential applications for families and small businesses. Others highlighted its usefulness as a simple personal assistant.

The primary criticism revolves around limited geographic support, specifically the lack of integration with European banks, including those in the UK, Ireland (Revolut, AIB), and Portugal. Users also inquired about location-based purchase filtering and the app's role in improving financial literacy. Feature requests include access to shared finances with privacy controls. Some users expressed interest in the product roadmap and future development plans, indicating a desire for broader accessibility and enhanced features.

pdawg69

Guys, I'll tell you what. Fina has changed my life in ways I couldn't even imagine. Not so long ago, my wife left me because I couldn't keep track of how much money I was spending at TGI fridays. I was a wreck. I was eating a lot, drinking a lot, and indulging copious amounts of adult films. I even started to listening to Andrew Huberman’s podcast. But if there’s one thing that cold showers can’t fix is my finances. Thats when I found Fina. Immediately my life changed for the better. I used the money I had previously spent on onion flowers to buy a Tinder premium membership, and met a wonderful woman who is into crystals. We’re now married with 7 beautiful children. This is all beside the point, which is that Fina’s AI technology to track your finances is going to be the gold standard, so you better get on board now and be a trailblazer for the future.

nick_seme

Clay and Shawn have outdone themselves with this innovative AI finance tool. My wife and I are both in healthcare and trying to pay down our student loans. Fina has made budgeting and planning for the future much less stressful. The platform’s design and structure is easy to navigate and incredibly informative. Refreshing to see a finance product over deliver on value with the consumer in mind. Congratulations and best of luck moving forward!

bonnchri23

As someone who's terrible at keeping track of his finances, Fina is a life saver. If I had an assistant that kept track of what I'm purchasing, what I'm spending too much money on every month, and how I can start saving money, it would be a no brainer... And that's what Fina is. Well done team!

danilo_prado

I love the idea of integrating AI into a finance tracker and was dying to give it a go. Although I hit a wall pretty quick, when I realised there are no integrations with banks from Ireland (I checked Plaid's website and there's no support yet). I use a mobile app that uses Salt Edge to integrate with my bank (Revolut and AIB). I'll give it another go when Fina finally integrates with my banks. Good luck with your product!

rawdawg

Launch day! I’m excited to use this to help me track my my work expenses and reduce over spending. With Fina, I should be able to narrow down where I am spending the most. Just out of curiosity, is it possible to use Fina to filter purchases by location? For example, I travel out of state a lot for work, so I am curious if I could sort my purchases by the state they were made in?

brianp57

Finally, a personal finance tracker that I can mold to my life!

jon_whistance

I found this on twitter from Cori Arnold tweet. I instantly was hooked and quickly signed up while sitting in the Dallas - Love airport. It has not disappointed. I'm excited for what all the possibilities for my family finances. It truly is amazing. The thing I most excited about is to start using this for my businesses as it will help make things so much easier to track.

nate_babner

Congrats! Have been anxiously waiting for the official launch, As a small business owner whose finances mingle very closely with my personal finances, having a place to keep everything organized has been a game changer. Tried many personal finance tools in the past and the Fina team is on top of removing all the bottlenecks.

wes_sneeringer

Fina is a game changer in the world of financial tools. As someone who constantly seeks ways to optimize my personal finances, I was thrilled to discover this powerful AI-driven solution. Fina has already become my go to financial app since it helps me make smarter financial decisions to achieve goals with ease. In my opinion, Fina will revolutionize the way that many individuals manage finances. Its AI driven capabilities, combined with the user friendly interface and top notch security make it an essential tool for anyone interested in taking control of their finances. I highly recommend Fina to anyone seeking a comprehensive and intelligent financial companion.

andre_haykal_jr

I've always struggled with keeping track of my finances. I do great in business, but I struggle to grow (and even keep) the money I work so hard to make. Fina is the first tool I've ever used that solved this issue for me. From the crystal clear visualization of exactly where I'm at, to the personalized recommendations, I now have the confidence I need to build wealth. Thanks to Clay and the team for building such a valuable product.

dancrowley1212

The design is clean and it has all the features you could possibly want from personal finance tracker. Been waiting on something like this to come out and Fina does not disappoint!

dante_dimaggio

Looking forward to seeing this continue to become widely accepted! It’s helped me already and it’s only getting better! Love how it gets me all my info in one place!

elissa_craig

While I don't think I want to REALLY know how much money I've spent on Starbucks this year (it's a shameful amount I know), I absolutely love this! A huge upgrade from an Excel spreadsheet I use to track my spending across accounts.

sam_casey

this UX is awesome! it's like if Notion + RocketMoney had a baby saves me a ton of time in Google Sheets and I love how I can add arbitrary notes in the pages -- way better than using comments in a spreadsheet!

mason_raterman

I’m a big fan of system that help organize my workflow, I can tell this will really help a lot of people. Congratulations guys!!!

kevin_souls

As someone who has spent timeless hours tracking my finances in Excel, Fina has been amazing so far. I spent a few hours building out a template, and it's now as simple as hitting refresh. I love it! To think this is only the beginning... I can't wait to see what's in store for Fina. Congrats Shawn and Clay!

ernesto_mandowsky

This is such a game changing tool that brings in the "linked Block" philosophy that has been seen in tools such as Notion. Thank you Clay and the Council of Financial Wizards for bringing this tool to life! I cant wait to show my wife this!!!

leolinked

Been the best app I can ask questions to instead of the usual looking at categories and budgets where I struggle. But, what excites me the most is the future possibilities of this app and where it can go! If the basic app can do so much, then the future can truly become an infinite canvas for Financial Data!

nadeera

As someone who hasn't used a mainstream digital app to track money due to the lack of customization and personalization, I've loved Fina as a personal assistant almost. The fact that you can ask simple questions and get an answer without having to comb through bunch of data is a huge time saver and anxiety reducer. Would like to have a feature to access to a joint/shared finances like when certain transactions are shared or do you want to share a particular data. Ex: Wife asks you how much you spent on groceries this month but you don't want her to see about the bar tabs with the homies. Looking forward to what's possible! Cheers!!

johnny_willow

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maxyamp

Absolutely beyond a doubt this app is what the future is made of. Congrats on the launch, and on building such a fantastic tool! I'm looking forward to testing it out myself for daily personal use.

mniroula

Congratulations on your launch to Product Hunt. I've been using Columns :) and Fina seems to be amazing for the single reporting from your multiple financial accounts. I would love to use it for sure.

thejaime

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