Connected bank accounts
Bring personal payments from securely connected bank accounts into one household payment view.
Fintech and AI / Case study
The home of every household payment.
We designed and developed HomeWallet from the ground up: a personal payment management platform that brings bank-account activity, invoices, due dates, reminders, and monthly planning into one clear experience. Secure bank integrations and AI work beneath the surface to make everyday payment management calmer and simpler.
ProductPersonal payment management platform
MarketFinland and Europe
ScopeDesign, development, bank integrations, AI
AccessSecure and read-only bank connections
The challenge
Household payments are everywhere, but rarely in one place.
Rent, utilities, insurance, subscriptions, and invoices can live across bank accounts, email inboxes, web portals, and paper documents. Without one picture of what is coming, even routine payments become a source of uncertainty.
HomeWallet was created for people who want to manage home payments without the constant search. The product provides a single view of payment commitments, clear due-date context, and reminders before a small task becomes a late fee.
The product
A complete payment picture, designed for everyday use.
Invoice scan and upload
Add invoices in seconds, capture the payment context, and turn documents into trackable household obligations.
Upcoming payment view
Make due dates, payment status, and invoice details easy to review before a payment becomes overdue.
Payment reminders
Notify users before bills are due, helping households avoid missed payments and late fees.
Monthly overview
Give users a clear view of what has been paid, what is upcoming, and what needs attention this month.
AI payment intelligence
Use AI under the hood to help organize payment information and make household financial tasks easier to understand.
The payment flow
From fragmented information to a calmer month.
- 01
Connect
Link trusted bank accounts through secure, read-only connections.
- 02
Add
Scan or upload invoices alongside payment information from connected accounts.
- 03
Understand
Review a unified view of paid, upcoming, and overdue household payments.
- 04
Act
Receive reminders before due dates and stay ahead of the next payment.
Built from scratch
Three foundations for a trusted personal-finance product.
HomeWallet combines a reassuring product experience with the technical layers needed to handle sensitive financial context responsibly.
Product design
A calm, focused experience built around the questions people have when they manage household payments: what is due, what has changed, and what needs action.
Secure bank integrations
Read-only bank connections give users a consolidated payment view without changing account settings or taking action on their behalf.
AI under the hood
AI-supported data handling helps convert fragmented payment information into organized, useful payment context for the user.
Security by design
Financial clarity should not come at the cost of control.
Trusted bank connections
Accounts connect through trusted banking integrations so users can see payment information in one place.
Read-only access
HomeWallet never changes bank-account settings or takes payment action without permission.
Encrypted data
Sensitive information is protected with modern encryption standards and a privacy-first product approach.
Full product delivery
From a product idea to a connected financial experience.
01Product strategy and interface design
Defined a simple, calm product experience for a complex set of home-payment tasks.
02Full-stack platform development
Built the product foundation, customer-facing application experience, and operational product workflows.
03Secure banking integrations
Connected account information through trusted read-only banking integrations.
04AI-powered payment intelligence
Added AI beneath the product experience to organize payment information and support clearer user decisions.
Delivery team
The disciplines needed to bring a connected fintech product to life.
Product design
Payment journeys, information hierarchy, and interface decisions.
Full-stack development
Product architecture, application development, and reliable delivery.
AI and integrations
Bank connection workflows and AI-assisted payment intelligence.
Your fintech product
Building a financial product around real everyday behavior?
We turn complex data, integrations, and user journeys into trusted products people can use with confidence.
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