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Team Code-Blooded | FinWise: Autonomous Financial Coaching Agent — Transcript

by Tan · 2,768 words · 393 segments · language en · Watch on YouTube

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0:01Hello, I'm Tanisha from team codeblooded
0:04and this is our submission for Mumbai
0:06hacks fintech track for building an
0:08autonomous financial coach. As you can
0:11see this is the landing page of our
0:13website called finise. Here are all the
0:16different features that we offer from
0:17smart asset allocation to salary
0:20optimization to even AI financial
0:22advisor and gamified financial learning.
0:25So now let's get started.
0:28As you can see, this is our sign up
0:30page. Since I already have credentials,
0:32I will click on sign in and I will sign
0:35in with the credentials that I have.
0:44Just enter in the password
0:47and sign in.
0:49So, here are basically all the different
0:51pages that this particular website
0:52offers for the user. And this is the
0:55dashboard page. So let's get started
0:57with that. Here we have the portfolio
1:00summary which basically displays a pie
1:02chart for data visualization of how the
1:04particular users investments are spread
1:07across. Right? Then we have quick
1:09insights on the particular users like
1:11the portfolio value today's gain the top
1:14performing asset the you know XP gain
1:16that is basically on the gamified
1:19platform that we'll see in the learning
1:21page itself and also the portfolio
1:23growth and then also there is alerts.
1:26Now obviously we want this platform to
1:28be a one-step solution for any finance
1:30related issues or reminders that the
1:33user requires and that's why we have
1:34added this alerts part of it because
1:36this particular platform aims to
1:38understand the uh user's you know
1:40investments the user's credit cards
1:43everything you know finance related
1:45about the user and tell the user what it
1:47needs to do to you know increase its
1:49saving and to you know not miss any
1:51deadlines. So this is why we have these
1:54alerts. For example, you know, it says
1:56upcoming SIP in 3 days or say a credit
1:58card bill uh is due in 2 days or even
2:00like a good thing like say a financial
2:03goal of the user is 65% funded. So these
2:06are all the different alerts again
2:07personalized to the user and uh yeah
2:10just basically lets the user know what
2:12is basically going on in their
2:14particular finances without the user
2:16having to you know do a lot of research
2:17and make like a list of things that they
2:19need to do. Right? Then let's go on to
2:21the investments page.
2:24Now here in the investments page as you
2:26can see it basically has multiple credit
2:28card recommendations based on the user
2:30profile itself. Now say for the HDFC
2:34credit card what we want to know why it
2:35recommended that particular credit card.
2:37Right? So I just click on here and it
2:39tells you this is the reason why based
2:41on the user's profile it would be a good
2:43credit card to invest in. Even for SBI1
2:46it you know tells you why it's um you
2:49know better for the user to invest in
2:51this particular credit card. Right? So,
2:53and also if you want to like compare two
2:55different credit cards, you can just by
2:57clicking here and here are the two, you
2:59know, different credit cards side by
3:01side. So, the user can make a
3:02wellinformed decision on what kind of
3:05credit card that they want to get for
3:06themselves.
3:08It also tells the user about the market
3:10highlights that is going on globally
3:13like the uh you know stocks in the
3:15nifty50 or you know the price of gold
3:18currently that is happening even the
3:19price of bitcoin. So the user you know
3:21has a wellverse idea about the financial
3:24world that is going on right now. Even a
3:26threemonth performance comparison chart
3:28is given here. Now let's go on to the AI
3:31chatbot or AI financial advisor page.
3:38This is the AI uh chatbot phase. Now
3:41obviously we want to utilize agentic AI
3:44and LLM to figure out a way to make
3:48finance easy for the user right. So now
3:51obviously anyone who has dealt with
3:53finance must have tons of questions. So
3:56this basically allows the user to you
3:58know question any possible thing whether
4:00it be a part of their portfolio or
4:03whether it be a general financial thing
4:05they can ask it here. So say I ask a
4:07question what um investments do you
4:11suggest me
4:13do you suggest?
4:18So it basically tells you that okay
4:19these are the different investments that
4:21you know I uh uh suggest you to do like
4:26for say example you know ppf or elss
4:30sorry. So it basically tells the you
4:33know uh user that okay these are the
4:36investments that are beneficial so you
4:38should uh you know take it up and do
4:41that for their particular profile. So
4:43that's basically our uh AI advisor um
4:47page. Let's go on the documents page.
4:51Okay. So now in the documents page what
4:53is basically happening? Say you know the
4:55user has some bank statement but you
4:58know obviously usually bank statements
5:00are really complicated to understand.
5:02This particular page solves that
5:03problems or at least aims to solve it.
5:06Basically what happens here is say if I
5:08upload a file it will basically tell me
5:09you know any uh sort of indiscre issue
5:13that the file might suggest or say if
5:15like the particular bill due date is
5:17like already passed. So you know that's
5:19obviously an issue. So it'll tell me
5:20that or um just basically make ensuring
5:24that the user you know is understanding
5:26what is going on with their particular
5:28investments and their particular assets.
5:30Correct. So uh I'll just upload a file
5:32and I'll show it to you. So this is
5:34basically like a bank statement and I'll
5:36click on analyze
5:39and yeah so this is what it basically uh
5:41tells me that you know uh this is the
5:44credit card utilization and it's
5:46obviously very high because it's 65%
5:48then you know the risk score in total is
5:5070 out of 100 even you know there have
5:53been like late payment flags of like two
5:55different payments in last 12 months and
5:58also the user can download a report that
6:00is basically locally downloaded on the
6:03user
6:04uh laptop itself. So that is what
6:06basically happens in this page making it
6:09you know a complete like accessible uh
6:12feature to the user to understand what
6:15is going on again in the financial world
6:18of theirs. Right now moving on to the
6:20salary page.
6:25Now this is a salary page. Now basically
6:28Finnise aims to you know uh provide
6:30financial coaching to not just you know
6:32experienced individuals not just you
6:35know people who are um you know new to
6:37the financial finance world but also to
6:40you know students who have just
6:41graduated and are starting their first
6:43job who don't know anything what is CTC
6:45what is you know basic percentage in
6:47their uh you know salary how it is all
6:50you know working out so this is where
6:52you know this particular page comes in
6:54here the user can you know basically
6:55enter the CTC basic percentage, HA
6:58percentage, LTA and click on optimize to
7:01basically understand what is going on
7:03and how to make their savings better or
7:06increase it. So here it you know
7:07basically says keep the basic same as
7:09before you know increase the H a little
7:12bit LTA you know um increase it now and
7:16then special allowance you can you know
7:17decrease it a little medical allowance
7:19remains the same this basically you know
7:21estimates the tax savings to be up to
7:2445,000 allowing the user to you know uh
7:27optimize their assets optimize uh their
7:30salary uh to you know make the most
7:32benefit out of it right because this is
7:35something again that you most uh
7:37especially you know fresh graduates
7:39don't understand and honestly having a
7:42financial um you know understanding of
7:44this is very very very important right
7:47and also you know tells you what like
7:49monthly difference has it been now let's
7:52go on to the loan page
7:54now this is our loan page which
7:56basically allows the user to understand
7:58what kind of loan that they should take
8:00what you know bank that they should take
8:03up the loan from and how will basically
8:06the loan and the EMI uh look like right
8:10so we offer like home loan car loan
8:12education loan say for the education
8:14loan we say that oh these are the bank
8:16comparisons and the SBI education loan
8:18is like the best one for car say like
8:21the you know HDFC car one is the best
8:24one it provides like the fastest uh loan
8:26processing for the cars say you know
8:29this is my amount this is my rate this
8:30is my tenure and I click on assess and
8:33it basically tell you that this would be
8:34like the balance over time and the EMI
8:37would be like you know 16,000 that they
8:39would have to pay. Affordability and
8:41risk are medium. So you know the user
8:43can again make a very well-informed
8:45decision on what kind of loan they want
8:46to take enabling people who are you know
8:49not wellversed in um loans and you know
8:52usually just take out random loans that
8:54they think would benefit them and you
8:56know usually end up not benefiting them
8:59in a really really bad way and you know
9:01hurting their civil score. This is a
9:04more optimized version that basically
9:06allows user to understand what their
9:09profile is best suitable for the
9:11particular loan and what kind of EMI
9:13that would be making it completely a
9:16transparent solution. Now let's go on to
9:18our gamification platform which
9:21basically provides a learning system for
9:23financial learnings. Now this is our
9:25overview. Basically here are the top
9:27five in this particular gamification
9:30platform. Here is the basic streak of
9:32that part of this particular user. The
9:34badge is earned by the user and this is
9:36the progress. Now let's go on to the
9:38flash card. Say the question is what is
9:42PPF? Now I don't know what PPF is. So I
9:44just click on reveal answer and oh it's
9:46public provident fund that is basically
9:48like a governmentbacked savings scheme
9:50with 7.1 annual interest. Right? So I
9:53click on got it wrong because I did get
9:55it wrong. Right? Then what is SIP? Say I
9:58know SIP is systematic investment plan.
10:01So I click on reveal answer and oh yes
10:02it is. So I can click on got it right.
10:06So this is how it basically you know
10:07tells the user that oh this is right
10:10this is wrong because we do understand
10:12that you know going into uh the depths
10:14of the financial world is very uh
10:16extreme and difficult and takes a lot of
10:18time and energy. Right? So this
10:21basically helps the user figure out what
10:24means what at least in a very basic uh
10:27format and obviously you know it's very
10:29boring honestly to learn about financial
10:32things right so this makes it fun and
10:34interesting for the user as well then we
10:37also have quizzes uh now there are three
10:39different types of quizzes right now
10:41investment basics credit and banking and
10:43tax planning so let's start with the
10:45investment basics so what is the minimum
10:47lock in period for PPF now say I don't
10:50know what it is. So I just say I click
10:51on five years and submit answer. Oh and
10:54that was wrong. So now the system will
10:56understand that oh this particular user
10:57does not know a lot about PPF. So next
10:59time when the user goes and you know
11:02clicks on the quiz quizzes uh the user
11:05would be asked more question on PPF. So
11:06they can understand what PPF is, what is
11:09the lock in period, how it works, what
11:11is the rate and this and that. Next
11:13question. Which investment uh option
11:16offers tax deduction under section ATC?
11:19Now I know this is PPF so I'll submit
11:21answer and the again the system would
11:23understand and paste the questions in
11:25the next questions based on this then
11:28next question and what does SIP stand
11:30for now we just learned what SIP stand
11:32for in the flash cards part of it so
11:33I'll just click on systematic investment
11:36plan and I'll click on submit answer and
11:38this was correct and I click on finish
11:40and as you can see I got two out of
11:42three right and my percentage was 67%
11:46and I earned 30 XP Now in the progress
11:49tab as you can see this is basically my
11:51progress of this particular user and the
11:54user has basically done 12 different
11:55flashcards and three different quizzes
11:57and this week they earned 150 XP. Now
12:00let's go on to the security tab.
12:06Now see the reason why we have added
12:08this particular security tab is that we
12:10understand that you know financial
12:12assets and financial data is very
12:14important and very sacred and needs to
12:16be stored you know uh securely for this
12:18particular user for any user and we want
12:21to you know give that sense of you know
12:22security and guarantee to the user that
12:25oh you know anything that you give onto
12:27our website will we will ensure that you
12:31know it's proper and you know it's not
12:32you know given to anyone else. Uh for
12:35example, right as you can see this is
12:37the basic recent activity of login uh
12:39that the user can you know either report
12:41it or acknowledge it if they are the
12:42ones that are logging in and you know
12:44gives a complete again transparent
12:46layer. It also allows the user to have
12:48like a two factor authentication for it
12:50via OTP or email for that particular
12:53account and you know obviously there's a
12:56graph showing the anomaly trend
12:58basically. Then lastly we have our
13:00settings page.
13:03Now obviously this is where you know the
13:05user can change their personal
13:06information and add two factor
13:08authentication as well. Then talking
13:11about preferences obviously there's dark
13:13mode whatever the user prefer it can you
13:15know they can do that. Then you know
13:16they can select the currency type also
13:18right now it's on rupees. Then you know
13:20types of notifications that the user
13:22wants based on you know complete
13:24whatever they require as such. Then
13:26talking about risk profile now it's set
13:28on moderate. So all the different you
13:30know investments all the recommendations
13:33would be done on this particular risk
13:35tolerance level that the particular user
13:38is you know can choose. So whenever you
13:40know they would sign up for the first
13:42time this all would be given to the user
13:44to select and you know they can make a
13:45informed decision on what kind of you
13:48know um investment uh plan or investment
13:51profile that they want for that
13:53particular risk tolerance. Even you know
13:55the user can take like the particular
13:57risk assessment you know whenever they
13:59want say if they've made like a huge
14:01investment or they plan to make a huge
14:03investment they can take a risk
14:04assessment for that particular
14:06investment and figure out how much of a
14:07risk that you know their particular
14:10civil score or their particular uh
14:12investment portfolio would have because
14:14of that then talking about financial
14:16goals because we understand that again
14:18you know finances are just not dependent
14:20on just saving a certain amount of money
14:23it's also dependent on goals Right?
14:25Because at the end of the day, why are
14:26you saving money to accomplish your
14:28goals? So that that is why the user here
14:31can basically enter the different uh you
14:33know financial goals that they have and
14:35based on this you know their investment
14:37portfolio they're rebalancing their
14:39portfolio would be based on. So you know
14:41these particular financial goals can be
14:43prioritized and you know the user can
14:46feel a sense of satisfaction that it's
14:48not just you know savings or uh you know
14:51uh emergency funds that you know my say
14:54my money is going into it's also
14:56something say for example home purchase
14:59or car purchase or education or vacation
15:01whatever the user would want right and
15:04obviously emergency fund and home down
15:06payment is set up here for this
15:08particular user but again the user is
15:10you know free to add whatever they want
15:12uh based on whatever you know their
15:14requirement is. So this was a solution
15:17for the problem statement given. Thank
15:19you so so much.

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