Users are less likely to switch banks once they have a personalized, automated system tracking their financial security.
Users can toggle an "Extra Income" sensor. When a deposit 20% larger than a typical paycheck hits (like a bonus, tax refund, or Venmo reimbursement), the app prompts: "You just received a windfall! Move 30% to your 'Safety Net'?" savings account
The app scans the last 90 days of transactions to determine the "Burn Rate." Users are less likely to switch banks once
Encourages higher deposit volumes by capturing "hidden" liquidity that users would otherwise spend. or Venmo reimbursement)
The user sees a weekly summary: "This week, you saved $22.40 just by spending smarter than usual."
