Retail journey

First salary, first system.

Priya, 24 · QA engineer in Coimbatore · first job

Priya gets her first salary on the 30th. She wants a system that holds her plan together — not a spreadsheet she will abandon by month two.

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The story · 5 scenes

Beginning to end.

Priya, 24 · QA engineer in Coimbatore · first job
·Priya gets her first salary on the 30th. She wants a system that holds her plan together — not a spreadsheet she will abandon by month two.
  1. Scene 01 · Sign in once, in Tamil
    Priya enters her phone number, types a 6-digit OTP, and picks Tamil as her language. The app reads everything back to her in Tamil from the next screen.
  2. Scene 02 · Connect her salary account
    She picks her bank from the Account Aggregator bottom sheet, consents on her bank's screen, and watches her last six months of transactions land — categorised, tagged, and totalled.
  3. Scene 03 · See her own health score
    By that evening, Mukodi has computed a financial health score from her income, EMI, and savings rate. The reasons are written in plain Tamil; the trend line shows the next three months.
  4. Scene 04 · Set a first goal
    Priya sets a six-month emergency fund target. The app shows a P10–P90 forecast band instead of a fragile single line — and tells her, gently, which month she is most likely to fall behind.
  5. Scene 05 · Ask Mukodi a question
    She asks, in Tamil, whether she should pre-pay her education loan or build her emergency fund first. The answer comes back with three reasons, each linked to her own transactions.
Helpers on call
The stack · helpers + models

Who's actually doing the work.

Features used
Phone-OTP signup8-language voice (STT + TTS)RBI Account AggregatorTransactions & insightsFinancial health scoreSpending forecast & budgetsSavings & debt-payoff goalsFCM push + email + SMS inboxConversational AI advisorYour memory, your rules
Honest limits

What this flow doesn't do.

  • The AA connection requires Priya's bank to be live on the AA network — most major Indian banks are, but a few co-operative banks are still in pilot.
  • Health-score reasons are operator-vetted templates; the underlying model output is converted to plain language and is not a financial-advice instrument.
  • Voice replies use IndicTTS pronunciations; very long numerical strings may be read digit-by-digit when the locale-specific TTS pack lacks a fluent decoder.
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