Quick update: We just got approved by the Financial Conduct Authority, so we can operate under PSD2. This is our official statement: https://emma-app.com/blog/2018/0... Second quick update: We are HIRING - > https://angel.co/emma-35/jobs -------------------- Thanks @bramk for hunting Emma! We are thrilled to be here! I am Edoardo Moreni, Co-founder of Emma. @AntonioMarino0 and I are excited to finally show what we have been working on for the past few months. Emma is your financial advocate. She can make you avoid overdrafts, find and cancel subscriptions, track debt and save money. We believe we are at the right time in history where technology can actually democratise the figure of the private wealth manager. The way we are achieving this is by building the Google Now of personal finance. Emma is a feed of cards, which renders different elements according to your own context and situation. This means we are building an app that is able to take different shapes according to our users’ needs. You can swipe through your set of cards as if you were reading your personal finance daily news. We are currently in closed beta, but we’ll give access to anyone who signups through Product Hunt in the next 48 hours. We would love any feedback, ideas or questions. We have just started, so look to the community for their support. We are here to answer any questions all day. Ps: Emma comes from our initials. (E)doardo (M)oreni (M)arino (A)ntonio. Ps2: It’s time to put that avocado toast down. ;)

Hello Product Hunt 😸, I’m Antonio, co-founder of Emma. We’ve built Emma to help people achieve financial wellness, one step at a time. 💰 Our product is capable of interpreting heterogeneous datasets of banking data with unprecedented depth and provide unique insights to our users. If you start using Emma today you can expect a premium mobile banking experience, together with a dynamic feed that will allow you to easily stay in control of bank accounts and give you recommendations that will make you save money. P.S.: We don’t actually endorse millennials to lower their consumption of 🥑 toast and expensive lattes to afford a home. We 😍 avocado toast and our master plan is to make you able to afford both. 🦄 Ps 2 : we're answering questions here all day long. Ask us anything

I signed up for this yesterday and I really like it. As data protection rules (in Europe) get stricter and banking APIs become more open it’s going to be easier for startups like Emma to offer services like this with consumer confidence. I’m a fan of what they’ve done so far and I look forward to seeing how it evolves.

Keep up the good work. Amazing work!!!

Pros:

It makes everything SO MUCH easier! Also, it helps you keep track of your banking accounts, without the need of their official apps

Cons:

None

Seems a very interesting vertical and similar to Monzo which tracks your spending via their special visa card

Education about personal finance is even more effective than simply raising income. I've got a huge amount of respect for financial technology products that help customers make smarter decisions, when the establishment has typically made a lot of money from loans and overdrafts from irresponsible spending. Installed Emma a few days ago - Great interface, much easier to navigate than the mobile banking app that my bank provides.

I've been using it since last week and I really like the UX. It makes managing my money way less stressful. It made me notice I was paying a contract from a free trial. I'd like it to eventually replace my banking app entirely. Are you going to allow me to make payments anytime soon?

Reviewing on The World of Apps YT channel, very soon!

Looks like a great way for students to keep track of their expenses... Hope this comes to Canada soon!

How did you choose the name? And did you decide not to opt for a non-gender-specific name like services such as Charlie HR have? Really keen to understand your revenue model too. There's a lot of fintech out there aimed at helping people manage their money, would love to know how you fit into the landscape.

Looks awesome! Does it work with US bank accounts?

Fantastic product and a solid team behind it :)

I've been using EMMA to track my expenses for the past month or so and I find it much more intuitive and accessible than my regular bank. The categories help with setting goals and keeping them.

Pros:

The product is very well built. Its really easy to track expenses and they are automatically allocated into categories.

Cons:

None

This is just an initial review, I'll add more thoughts after more use

Pros:

Easy to use Intuitive

Cons:

Onboarding experience can be smoother

🔥 Update: we are now officially live in USA and Canada as well. Read more: Emma 2.0 @martinsfp @jjeremycai @sydney_liu @sydney_liu_sl @francescod_ales @davidiwanow @colin_armstrong @joshjoshliuliu @measuring_cups @dan_e_gray @izz_abudaka