About PersonaFi

Humanising Money – One Conversation at a Time.

🌱 Our Mission

At PersonaFi, we’re on a mission to humanise money. Managing finances shouldn’t feel like homework — it should feel like a conversation with someone who gets you. That’s why we’re building a platform that’s culturally aware, emotionally intelligent, and powered by the unique voice of each user.

Our vision is to become the most trusted and relatable money companion in Australia — helping people not just track spending, but shift habits, grow confidence, and feel empowered in their financial lives.

  • Meeting people where they are — emotionally, culturally, and behaviourally
  • Guiding, not judging — replacing shame with support, and fear with humour
  • Turning insights into action — nudging smarter habits through relatable conversations
  • Building trust through tone — because how you speak matters as much as what you say

🚩 The Problem

Most budgeting tools feel cold, clinical, and overwhelming. They talk in spreadsheets, guilt trips, and jargon. Millions of Australians feel intimidated, disengaged, or ashamed when it comes to money. People are told to “stick to a budget” — but not how to build habits that actually stick.

💡 The Insight

People don’t need more lectures on financial literacy. They need relatable guidance in a tone that fits them. What if your money app felt like a wise mate rather than a spreadsheet? What if it nudged better behaviour without the guilt?

🚀 The Solution: PersonaFi

PersonaFi is an AI-powered personal finance assistant that speaks your language. Whether you need tough love from a Greek uncle, encouragement from a coach, or humour from a witty friend, PersonaFi adapts to you.

It connects to your bank, analyses your habits, and delivers personalised insights and nudges to help you make smarter decisions — without the overwhelm.

🌍 The Vision

We’re building more than an app. PersonaFi is a movement to humanise personal finance. Starting with tone-based budgeting, we’ll evolve into smarter product recommendations, embedded finance solutions, and partnerships that truly empower users.

🔥 The Impact

By making money approachable and tailored, PersonaFi helps users gain confidence and control over their future. Success isn’t just measured in downloads or revenue — it’s in better decisions, goals achieved, and financial freedom earned.

“When money talks your language, you finally listen.”

⚡ Features Overview

  • Bank Integration via Basiq – Secure real-time transaction syncing.
  • Automated Budgeting – AI-generated budgets, no manual setup.
  • AI-Powered Insights – GPT-4o gives clear, human-style guidance.
  • Forecasted Cash Flow & Net Worth – Plan your financial future with projections.
  • Tone Selector – Choose your assistant’s personality for insights.
  • Hybrid Categorisation – AI + SQL ensure accurate transaction tagging.
  • Product Comparison – Get cheaper alternatives for insurance, loans, and more.

PersonaFi isn’t just another budgeting app. It’s finance with soul.