Moliyachi
AI-powered personal finance platform integrated into Agrobank Mobile app that transforms banking data into actionable financial guidance.
Problem
A significant number of Agrobank's customers live on a strict salary cycle, facing stress and uncertainty every month. Key challenges include aggressive spending after salary arrival, mid-month financial stress and uncertainty, no visibility into spending behavior, lack of personalized budgeting guidance, and current banking apps that provide transactions but not intelligence. Users need a way to understand their financial behavior—not just view their balance.
Approach
Developed Moliyachi, a smart financial assistant fully embedded into Agrobank Mobile that transforms it from a transaction tool into a financial partner. Key features include: AI Spending Insights providing short, actionable explanations of where money goes; Smart Monthly Planning with warnings when spending is too fast and balance predictions; Financial Health Score (0–100) explaining financial stability; Goal Planning where AI calculates timelines and suggests improvements; Personalized Recommendations based on spending patterns, habits, income, and goals; Agrobank Product Matching suggesting Microloans, Deposits, Savings, and Installment options; and AI Shop Agent for finding products with AI-powered recommendations, installment options via Opencard by Agrobank, price comparisons, and personalized insights.
Outcome
Helping individuals and families improve financial decision-making, reduce stress, and better manage budgets. Selected as a finalist in the AI500 Hackathon 2025 (Top 50 out of 1,345 teams). The product received interest from Agrobank for potential acquisition.