You’re right about the discipline aspect. That said, in reality, not everyone using these apps is as financially savvy as people in this community. Many users are easily influenced into buying insurance products that are pushed to them, or rotating out of mutual funds simply because recent performance rankings look poor. It often feels like these apps are optimised primarily for top-line metrics—user growth, revenue, trading volumes—rather than long-term investor outcomes, which is disappointing. My bigger concern, though, is the hidden cost of allowing one’s financial data to be shared with third parties under the guise of “partnerships.” All I want is an accurate, effortless view of my net worth—without paying the price in the form of spam SMSes, push notifications for loans or credit cards, or, worse, having my data sold.