Service : Mobile app design Price : Monthly retainer client

Timeline : 5 months

Live Preview : https://www.kniru.com/

Implemented a dual onboarding system to cater to both Indian and international users.

Plaid for international markets (US, UK, Canada), the system fetches bank details, while Indian users have a direct integration.

This simplified the user journey and consent process, creating a frictionless experience.

The app provides a consolidated view of a user's complete financial portfolio.

It aggregates data from all bank accounts linked during onboarding, displaying balances, transactions, and investments like mutual funds and SIPs.

This gives users a single, clear overview of their assets and financial health without needing to check multiple sources.

Feature: The All-in-One Financial Dashboard: The "Home" screen provides a comprehensive, real-time overview of the user's financial status, designed for quick insights and proactive management.

Intelligent Notifications: The system automatically filters and categorizes all financial notifications (e.g., savings updates, life insurance premiums, bill reminders) to reduce clutter and highlight what's important.

Proactive Loan Management: A dedicated section for loans details the outstanding amount and the next EMI due date. Users can also set personalized reminders for their loan payments to avoid missing them.

The app offers an advanced insights engine that automatically tracks all recurring subscriptions like Netflix.

Users can set renewal reminders or add them to a calendar, empowering them to cancel unwanted services.

All financial data is visualized through clear charts for easy analysis. The core of this feature is an AI-driven budgeting tool that forecasts potential monthly savings based on user-created budgets, helping them make smarter financial decisions.

To provide a complete financial picture, the app includes a dedicated section for tracking all liabilities. It consolidates outstanding debts, including personal loans, credit card balances, and other dues into a single, clear dashboard.

The app introduces a secure sharing feature, allowing users to grant trusted contacts, like family members, live access to their financial data. The key innovation is granular control: users can select exactly what information to share such as transaction history or account balances and what to keep private. This facilitates collaborative financial management without compromising individual privacy.

The app centralizes all core functions within an intuitive navigation drawer, giving users one-tap access to settings for their profile, security, notifications, and sharing preferences. The standout feature is an integrated AI chat assistant.

Users can ask complex, natural-language questions about their finances and receive personalized advice, such as actionable strategies to improve their credit score, directly within the app.