Fintech App

NRI Wealth Planner V1.1 – Updated Product Scope Product Vision NRI Wealth Planner is a cross-border personal finance platform designed specifically for UAE-based Indian expats. The platform combines: - UAE banking - Indian banking - Mutual funds - UAE investments - US ETFs - Credit cards - Goals and retirement planning - NRI tax calculations into a single wealth and cash-flow operating system. Unlike traditional wealth trackers, the platform answers both: 1. Where is my money today? 2. Where is my money going every month? --- Core Product Pillars 1. Wealth Management Track and manage: - UAE Bank Accounts - Sarwa Portfolios - UAE Stocks - Indian Mutual Funds - Indian Stocks - US ETFs - Fixed Deposits - Bonds - Gold - Real Estate - Manual Assets Features: - Unified Net Worth - Asset Allocation - Geography Allocation - Currency Allocation - Historical Growth Tracking --- 2. Expense Intelligence (NEW) Objective Provide users with complete visibility into spending, savings, and monthly surplus. Connected Sources UAE: - ENBD - ADCB - FAB - Mashreq - Sarwa Cash India: - HDFC - ICICI - SBI - Axis - Kotak Credit Cards: - UAE credit cards - Indian credit cards Features Automatic transaction sync Automatic categorization: - Groceries - Dining - Fuel - Rent - Utilities - Shopping - Travel - Education - Healthcare - Investments - Transfers Monthly cash-flow tracking Income tracking Expense tracking Savings rate calculation Spending trends Budget alerts Recurring expense detection Subscription detection Monthly spending reports --- 3. Cash Flow Command Center Dashboard Cards Salary Received Monthly Expenses Savings This Month Investment Contributions Credit Card Outstanding Cash Remaining Emergency Fund Runway Savings Rate % Example Salary: AED 15,000 Expenses: AED 8,000 Investments: AED 2,000 Remaining: AED 5,000 Savings Rate: 46% --- 4. Dynamic Portfolio Explorer Three-level navigation: Layer 1 Swipeable Asset Cards Examples: - Sarwa - Mutual Funds - Stocks - Cash - National Bonds Layer 2 Timeline Scrubber Historical replay View wealth at any date Daily portfolio snapshots Event markers: - Dividend received - Salary increase - Started SIP - Child education goal added Layer 3 Drill-down Navigation Portfolio → Geography → Asset Class → Platform → Asset → Transaction History --- 5. Goal Planning Engine Supported Goals Education Marriage Retirement Emergency Fund House Purchase Custom Goals Features Named children Age tracking Inflation-adjusted future value Monthly SIP requirement Goal funding progress One-click top-up recommendations --- 6. NRI Financial Planning Suite Calculators AED to INR Transfer Optimizer UAE Gratuity Calculator TDS Yield Calculator DTAA Comparison Tool Real Return Calculator Reverse SIP Calculator Retirement Corpus Calculator Education Corpus Calculator --- 7. NRI Insights (NEW) Cross-border visibility unavailable in existing apps. Examples: Salary Received: AED 15,000 Sent to India: AED 5,000 Invested: AED 2,500 Spent in UAE: AED 6,000 Cash Remaining: AED 1,500 Additional Insights: Currency Exposure AED Allocation INR Allocation USD Allocation Retirement Readiness Score Financial Independence Tracker Net Worth Growth Tracker --- 8. Connected Accounts Lean Technologies UAE Open Banking Supported: - Sarwa - ENBD - ADCB - FAB - Mashreq - Baraka Finvu Account Aggregator Supported: - HDFC - ICICI - SBI - Axis - Kotak - BOB Zerodha Kite Connect Stocks Mutual Funds Transactions CAS PDF Import CAMS KFintech Single upload imports all Indian mutual funds. --- 9. Subscription & Monetization Free Manual Assets Manual Expenses 2 Connected Accounts 3 Goals 2 Children Basic Reports Premium AED 20/month Unlimited Connections Unlimited Goals Unlimited Children Expense Intelligence Auto Categorization Budget Alerts Monthly Reports PDF Export AI Insights Family AED 59/month 2 Adults Shared Wealth Dashboard Joint Goals Family Planning --- 10. Security Biometric Authentication PIN Fallback AES-256 Encryption TLS 1.3 Certificate Pinning Jailbreak Detection Root Detection Firebase Security Rules Keychain / Keystore Screenshot Prevention PDPL Compliance DPDP Compliance Account Deletion Within 24 Hours No Financial Data in Logs --- Updated Screen Count 1. Dashboard 2. Expense Dashboard (NEW) 3. Cash Flow Planner 4. Transaction Explorer (NEW) 5. Budget Planner (NEW) 6. Portfolio Overview 7. Dynamic Portfolio Explorer 8. Investment Tracker 9. Goal Planner 10. Child Milestones 11. Net Worth Timeline 12. NRI Calculators 13. Retirement Planner 14. Currency Exposure 15. Connected Accounts 16. Credit Cards 17. Monthly Reports 18. Notifications 19. Profile 20. Family Members 21. Settings 22. Exports 23. Subscription Management 24. Onboarding Total: 24 Screens --- Long-Term Vision The ultimate objective is to become the primary financial operating system for UAE-based NRIs by combining: - Expense Management - Wealth Tracking - Goal Planning - Cross-Border Banking - Investment Aggregation - Retirement Planning - Family Financial Planning into a single mobile application.