Vision

The platform was envisioned as a personal finance assistant tailored for individuals, freelancers, and small businesses in South Asia. The goal was to simplify financial literacy, automate tax filing, and deliver intelligent insights through a secure, mobile-first experience. Inspired by the likes of Mint, YNAB, and Fisdom, it aimed to localize these capabilities within a regulatory-compliant, highly usable solution.

3techno’s Role

Though the platform never reached launch due to strategic shifts, our team invested substantial consulting hours in shaping a strong, validated product foundation. We led the initiative across product discovery, technical architecture, regulatory alignment, and experience design—demonstrating our core strengths in early-stage fintech innovation and advisory.

Engagement Overview

1. Product Discovery & Strategy

• Facilitated stakeholder workshops to define value propositions for salaried users, freelancers, and MSMEs.
• Identified key financial challenges: fragmented expense visibility, tax confusion, and low digital finance engagement.
• Defined a three-tier service structure:
  • Basic: Expense tracking, budgeting, reminders
  • Standard: Automated tax calculation, filing integrations
  • Premium: Wealth advisory, investment planning, private banking services

2. Market & Competitive Intelligence

• Analyzed regional and global players in personal finance, tax tech, and digital wealth management.
• Identified unmet needs in the local market—especially for bilingual interfaces, tax education, and compliance automation.
• Explored banking and accounting API integration opportunities.

3. UX/UI & Prototyping

• Designed user flows and wireframes for:
  • Income/Expense Management
  • Smart Budgeting Tools
  • Tax Filing Interface & Reminders
  • Financial Health & Net Worth Dashboards
• Focused on intuitive navigation, gamified saving goals, and easy onboarding.

4. Regulatory Compliance & Risk Review

• Researched requirements for integration with national tax authorities (e.g., FBR, SECP).
• Outlined data protection policies aligned with GDPR and local data privacy laws.
• Included KYC/AML procedures and digital trust frameworks.

5. Technical Architecture

• Proposed cloud-native architecture for scalability and modular feature rollout:
  • Frontend: React/Flutter
  • Backend: Node.js, Python (for recommendation engines)
  • DevOps: AWS/GCP, encrypted microservices, CI/CD pipelines
• Planned infrastructure for potential SaaS licensing and white-labeling.

6. Financial Modeling & Monetization

• Built multi-year financial forecast models, including:
  • Freemium → Subscription-based upgrades
  • Strategic affiliate revenue from banks, advisors
  • Partnership models with tax firms and accounting software providers

Outcome & Reflection

The project was ultimately paused before development began, but it stands as a strong showcase of 3techno’s ability to:

• Consult on complex fintech ideas
• Validate product-market fit before heavy investment
• Craft compliant, scalable digital solutions
• Translate ambiguous visions into tangible, strategic blueprints

This engagement highlights our core strength: enabling founders and ventures to de-risk innovation by combining product thinking, market validation, tech strategy, and regulatory alignment.

Key Domains Covered

• Fintech Consulting & Strategy
• RegTech (Tax, Compliance)
• Digital Wealth UX Design
• SaaS Architecture Planning
• Market Sizing & Revenue Modeling
• Data Privacy & Cybersecurity Design

Have a Fintech Idea?

Let’s bring structure and clarity to your vision—before a single line of code is written. That’s what we do best.