Assurance in identity verification

Spending Coaching turns complex financial behaviour into simple, personalised guidance your users can act on. It analyses real spending patterns, compares week-to-week habits, and identifies areas where customers may be overspending, missing opportunities to save, or drifting into risk.

Instead of generic tips or static budgeting advice, coaching adapts to each user’s behaviour. It delivers the right insight at the right time, helping them build stronger habits, improve their financial stability and stay engaged with your app.

How it works

After a user connects their bank account via secure open banking, Spending Coaching analyses incoming transactions and classifies spending across key categories. It then compares behaviour over time, using machine learning and business rules to generate personalised coaching cards.

These cards highlight behaviour changes, spending patterns and opportunities for improvement, tailored to each user’s financial situation. Here’s an example of the structured output:

{
  "coaching_cards": [
    {
      "title": "You spent more on dining out this week",
      "category": "discretionary",
      "impact": "medium",
      "recommendation": "Consider reducing takeaway spend by £20 next week.",
      "timestamp": "2025-02-10T10:14:00Z"
    },
    {
      "title": "Your essentials spending stayed consistent",
      "category": "essentials",
      "impact": "positive",
      "recommendation": "Great job keeping bills stable. Continue monitoring upcoming renewals.",
      "timestamp": "2025-02-11T08:42:00Z"
    },
    {
      "title": "Saving opportunity identified",
      "category": "savings",
      "impact": "high",
      "recommendation": "You could automate a £25 weekly transfer based on your surplus.",
      "timestamp": "2025-02-12T09:03:00Z"
    }
  ],
  "summary": {
    "behaviour_trend": "slight_overspend",
    "action_priority": ["Reduce discretionary spend", "Increase automated savings"

This provides fast, intelligent coaching without requiring your team to review or interpret user transactions manually.

Personalised financial guidance

Spending Coaching gives businesses a powerful way to help users build long-term financial resilience. It highlights unusual patterns, overspending categories and savings opportunities while reinforcing positive behaviours with supportive feedback.

This is ideal for fintechs, digital banks, wellbeing platforms and lenders who want to increase user engagement, encourage healthier financial habits or support customers showing early signs of financial stress.

Because the recommendations are grounded in live behavioural data, they are specific, relevant and immediately useful.

Why personalised coaching matters

Most financial tools tell users what happened, not what they should do next. Spending Coaching fills that gap. It provides clear, contextualised guidance based on real behaviour, helping users reduce overspending, manage commitments and stay ahead of potential issues.

This leads to stronger user outcomes, better retention and higher engagement, as people return to your app for meaningful, personalised financial insight.

Get started

Start delivering behaviour-led financial guidance in minutes. Spending Coaching helps users build smarter habits — powered by open banking and real financial behaviour. Compare plans or book a demo to see how it fits into your product.