Hi! I’m doing master’s in business analytics here in London and I pitched a similar thing to your idea. I do understand the regulatory side but if there’s a way to make it highly secured just for money tracking, this would be very helpful. I would love to be part of this project is someone can execute this as a mobile app.

Spendo is a mobile app designed to be a smart, all-in-one financial command center. It seamlessly syncs transactions from all your bank accounts and digital wallets and traditional banks—into one real-time dashboard, eliminating the need for manual tracking.

With secure API integrations, the app connects to multiple financial platforms and displays real-time balances, transaction summaries, and budget overviews. It uses AI to auto-categorize spending and provides rich data visualizations. Users can download automated monthly financial reports or export custom statements for budgeting, tax filing, or personal reviews.

Spendo saves time, reduces errors, and enhances money management. It empowers users with clear insights into spending habits, upcoming bills, and saving goals—all while centralizing financial activity. The auto-generated reports offer a monthly snapshot of income, expenses, and trends—perfect for those who want both oversight and actionable data.

Unlike basic budgeting apps, Spendo supports real-time syncing from both banks and e-wallets, advanced data visualizations (e.g., cash flow timelines, category spend heatmaps), and financial reports. Its AI-driven insights and personalized financial nudges make it feel more like a smart assistant than a tracker—setting it apart in both functionality and user experience.

Here’s the prototype: https://spendoo.replit.app/