Finma - AI Finance Tracker

MAY 2026 (appears earlier review vanished?) This app has so much potential and purchased straight away. Developer was eager, full of ideas but has since moved onto other projects and remains distracted for at least the past six months. Developer has been aware of each point below for maybe close to a year at this point. Here are some insights to assist deciding on purchasing. I personally can not recommend in its current state (without fixing major issues below,) and with a hobby developer who really isn’t vested or prioritizing development. FOCUS App wants to say it does everything and can’t decide. Dedicated spot for subscriptions, a rather small function but given high priority. App wants to be a budget minder (why subscriptions would e a sub of budgets (?,) maybe because that leaves the app looking rather empty.) Worst part is the noise. The developer seems mighty proud being able to access and show countless data points of an account, when a simple focus study would support prioritizing and focusing on common wanted datapoints. Then, THEN, throw in a ton of info graphics as if trying to show off or show value yet, again, is likely not desired by majority of users. Developer remains insistent on all decisions made being critical? Recommendation made was to, at a minimum, allow the user to hide unwanted data points. Be prepared to muscle through irrelevant data to get what you need to see. PLAID Connecting to banks (for me, credit card accounts at banks) is critical.,without it the app is nothing more than (not even) a run of the mill manual budgeting app. Connections initially work well after putting in the effort to get your accounts connected…and it takes a while. Once connected you will get transaction updates, and can hunt around for transactions on a card (operative word ‘hunt’ more on this under opportunities. Problem kicks in with the frequency these account connections break. Doesn’t matter if the issue is Finma, Plaid or your bank as it is all the same result - which is you are forever putting on an admin hat to fix connections. This KILLS the experience. It is faster and easier to log into an OEM bank app than it is keep reconnecting accounts. This is the single biggest issue that keeps me from really using the app.Exhausting. Bank connections always break. NOTIFICATIONS You are getting weird notifications all the time. Developer is not based in United States and maybe financial notifications needs are different in India. You will get expected notifications of a transaction for any card connected - awesome (until connection breaks.) You will also get a high frequency of useless or indecipherable notifications to the point you sacrifice wanted notifications to stop the madness. Notifications are not well thought out. BALANCE VS LIMIT The app does not do well understanding the difference between credit limit and credit balance. This results in balances and notifications getting totally reliably hosed. When the app interposes limits and balances you can’t trust the data. You will see high negative balances for example why they are credit limits, not amounts owed. Nuts. INTERFACE UX/UI Lot of opportunities to make the app simple and straight forward. Will not get into the weeds here. WEIRD THINGS Privacy You need to be signed in to access the data, BUT the most important data (your numbers) are masked. That is the perspective that someone will be using the app with an audience? Imagine signing into any bank or credit app and not seeing you numbers straight away. You need to take extra steps to see your numbers. You need to do this every time you sign in. No setting to change a preference or reverse this backwards thinking. Then there is a Privacy Mode which can be found inside settings. Turn this on and you will get dummy data in place of your numbers for screen shots. Ok? Turn it on and you don’t get fake numbers, you get glyphs and shapes. Still, if you take a screenshot, even with privacy mode enabled, you get a scholar’s crossbones sensitive data warning. Not opposed to this with a toggle to decide, yet option in settings is too deep for a fleeting use case where the forced sensitive data panel suffices. Marketing Images shown to market product are not reflective of the actual app. For example you will not see balances for credit cards when viewing list of accounts (image with large square tiles - balances don’t appear.

How am I just now finding this gem

Please add support with Middle East and India. Have your paid subs but would really need this feature to get most out of this. Also would like to have automatic Apple Pay txn to be captured in spends