🔗 Bank Integration via Basiq
PersonaFi securely connects to your bank accounts, credit cards, and loans through our accredited partner Basiq. This allows:
- Real-time transaction syncing directly from your bank.
- Merchant data enrichment (logos, categories, locations).
- Automatic updates without manual imports.
Your financial data stays secure, encrypted, and under your control.
📊 Automated Budget Generation & Tracking
Forget spreadsheets. PersonaFi uses AI to create personalised budgets based on:
- Your historical spending and income patterns.
- Your lifestyle and financial goals.
- National benchmarks to show where you stand vs. similar Aussies.
Budgets update dynamically as your habits change — no manual setup required.
🔮 Forecasted Cash Flow & Net Worth Projections
See beyond the present with predictive analytics:
- Project your future cash balances based on recurring patterns.
- Model how investments, debt repayments, and savings affect your net worth.
- Simulate “what-if” scenarios to make smarter long-term decisions.
PersonaFi helps you stay ahead, not just keep up.
🤖 AI-Powered Insights & Optimisation
Powered by GPT-4o, PersonaFi doesn’t just show numbers — it interprets them. You’ll receive:
- Contextual advice in plain English, tailored to your behaviour.
- Insights that match your personality using tone-based AI responses.
- Nudges that help you save more, spend smarter, and feel in control.
Example: “You spent $450 on Uber Eats this month, 3x more than someone with your income — maybe it’s time to cook more meals at home.”
🎭 Tone Selector for Insights
Money advice should feel personal, not robotic. PersonaFi lets you choose how your assistant talks to you:
- Friendly Aussie Mate – casual, relatable guidance.
- Blunt Italian Nonno – tough love that gets results.
- Wise Investor – calm, strategic, and insightful.
- British Football Commentator – dramatic play-by-play analysis of your spending, turning every purchase into a thrilling match moment.
This feature keeps engagement high and financial conversations enjoyable.
Sample some of our insights, characters and tones on our
Insights page!
🧠 Hybrid Categorisation Model (AI + SQL)
PersonaFi combines AI intelligence with rule-based precision to accurately categorise every transaction:
- AI learns patterns in your spending behaviour.
- SQL rules ensure consistent and accurate classifications.
- Continuous improvement via user feedback.
This hybrid approach eliminates messy categories and manual tagging.
💰 Financial Product Comparison
PersonaFi goes beyond budgeting by helping you save on financial products:
- Identifies overpriced services like insurance or home loans.
- Suggests cheaper, better-rated alternatives.
- Seamlessly connects you to switching opportunities.
We don’t just track spending — we actively help you reduce it.
🚀 Why PersonaFi?
Unlike traditional apps like PocketSmith or MoneyBrilliant, PersonaFi is:
- ✅ Truly Hands-Free – minimal setup, maximum automation.
- ✅ Personable & Dynamic – advice adapts to your personality.
- ✅ Benchmark-Aware – see how you compare to peers.
- ✅ Forward-Looking – forecasts not just spending, but wealth growth.
- ✅ AI at Its Core – GPT-4o generates insights that feel human.
PersonaFi is not just another budgeting app. It’s your personalised money coach.