Inspiration

Financial illiteracy affects 1 in 3 Americans, while 59% lack structured financial planning. Many avoid investing due to perceived insufficient funds. Finn AI aims to accelerate financial literacy by creating an approachable, AI-driven companion that demystifies personal finance through proactive guidance.

What it Does

Finn AI combines financial tracking with LLM-powered analysis to deliver: Real-time dashboard showing account balances, monthly spending, and portfolio performance AI chat interface for personalized financial advice (e.g., "What's my biggest expense this month?") Automated Telegram/SMS updates written in conversational tone about budget progress and market news Plaid-powered transaction monitoring across linked accounts Customizable alerts for budget thresholds and investment opportunities

How we built it

Core Infratructure: JWT authentication + Twilio for 2FA Financial Data: Plaid API integration for real-time banking/transaction data AI Engine: OpenAI GPT for natural language analysis and message generation Communication: Telegram API for push notifications + custom chat interface News Integration: Market data APIs for portfolio-related updates Frontend: Responsive dashboard with React/Vite

Challenges we ran into

Twilio authentications + JWT integration with Flask Securing sensitive financial data across multiple API integrations with Plaid Integration Translating raw transaction data into actionable LLM prompts

Accomplishments that we're proud of

Created seamless Plaid-to-OpenAI pipeline for personalized financial insights Developed message templating system that mixes market data with conversational tone Sleek UI/UX design for ease-of-use

What we learned

Implemented authentication without sacrificing onboarding speed Technical complexities of real-time financial data aggregation User preference for scheduled notification times and model usage How to responsibly handle sensitive financial data in LLM contexts

What's Next

Expanded integration: WhatsApp/SMS support + broker API connections Advanced Features: Credit card recommendation engine based on spending patterns Loan management tools with refinancing suggestions Automated savings "round-up" system

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