Personal financial intelligence at scale. It connects every account, paycheck, benefit, and goal into one picture and surfaces the right move before your users think to ask. Embedded in your platform.
Your users have every financial benefit they need. Most never use them.
Your users' financial life isn't just their bank balance. It's the 401k match they're not claiming. The EWA they don't know exists. The cashflow shortfall coming Friday. The subscription they forgot about. Money doesn't exist in a vacuum — it's the total sum of income, debts, benefits, and obligations all at once. Finley connects all of it and tells users what it means, before they think to ask.
Meet Finley
One Complete picture.
Every Decision, made clearer.
Talk to your money
Any financial question, answered with their actual numbers — not generic advice.
Goal & debt planning
AI-guided workflows for saving and debt payoff, grounded in what they can actually do.
Full Financial Picture
Every account, paycheck, and benefit — connected automatically.
Spending plan
A living plan built on real income and bills, not a budget they have to maintain.
Proactive Insights
Shortfalls, anomalies, and unclaimed benefits — surfaced before users think to look.
Bank-level security meets
privacy-first architecture.
Data protection and transparency are the #1 factors consumers say would increase their trust in AI financial tools. We built for both from day one.
Ready to bring financial intelligence to your platform?
Whether you're building inside an HCM platform, a bank, a retirement product, or a large employer — Finley Intelligence embeds into what you're already building. Half of consumers already say managing money without AI feels outdated. Let's figure out what that looks like for you before your users go elsewhere.
Frequently asked questions
Everything employees and employers ask about Finley.
What is Finley?
Finley is personal financial intelligence at scale. It connects a user's complete financial picture, including their accounts, paycheck, benefits, debts, and goals, and surfaces the right insight or action at the right moment. Platforms embed Finley to give their users a genuinely smart financial experience without building it themselves.
Who is Finley for?
Finley is built for platforms with users who earn money, access benefits, or make financial decisions: payroll and HR systems, banks and credit unions, retirement and benefits platforms, fintechs, and large employers. Their users get financial clarity. The platform earns daily engagement and deeper adoption of its own products and benefits.
How is Finley different from a budgeting app?
Budgeting apps ask users to do the work: set up categories, track spending, maintain the system. Finley works the other way around. It builds a living spending plan from real income and real bills, adjusts it automatically as life changes, and comes to the user with what matters. No setup, no spreadsheets, no maintenance.
How is Finley different from ChatGPT or other general AI?
General AI connects to a bank account and sees a fragment. Finley sees the complete picture: the paycheck coming Thursday, the 401k match going unclaimed, the benefit sitting unused, the shortfall coming Friday. Finley also runs on purpose-built financial models, not just a language model, so every insight is grounded in real numbers and has a traceable reason behind it.
How is Finley different from financial education or coaching programs?
Information was never the problem. People know they should save. What they lack is time, bandwidth, and something working on their money in real time. A coaching session is occasional. An article is generic. Money is on 24/7. Finley is the always-on intelligence that manages the picture continuously, personalized to each user's actual situation.
Does Finley give financial advice?
Finley provides personalized insight and planning grounded in a user's real numbers, not regulated investment advice. It helps users understand their situation, weigh their options, and decide their next move. For agentic workflows like debt payoff or goal planning, Finley proposes the plan and the user reviews and confirms before anything changes.
How does Finley get its data?
Through secure, read-only connections to bank, credit, and investment accounts, payroll and income data through partner feeds or payroll connectivity providers, and the partner's own benefits and product catalog. Users connect accounts at the moment the value is clear, not as a setup chore.
Is user data safe with Finley?
Yes. Access is read-only, so Finley can see accounts but cannot move money. Data is protected with bank-level encryption, Finley is SOC 2 Type II certified, and user data is never sold. Individual financial information stays private; partners see aggregate engagement metrics only, never a user's personal finances.
Can Finley be trusted to be accurate?
Finley's spending plan and insight engines are deterministic and auditable, not generative. Every insight has a traceable reason, and Finley explains that reasoning in plain language. The conversational layer communicates the intelligence; it does not invent the math. This matters to users, and it matters to compliance teams.
How does Finley embed into our platform?
Three ways, all built on the same stack. A white-label widget for the fastest launch, a full API and SDK for teams building their own experience, and an MCP server that lets your own AI assistant call Finley's intelligence directly. Partners often start with the widget and go deeper over time.
Can Finley surface our own products and benefits?
Yes, and this is where partners see the clearest ROI. Finley ingests your benefits and product catalog and matches it to each user's real financial situation. When a user is heading toward a shortfall before payday, Finley can surface earned wage access or an open shift at exactly that moment. The right offer at the right time reads as help, not advertising.
How long does it take to launch?
The embedded widget can go live in weeks. API and deeper integrations depend on scope, and our sandbox lets your team build and test against Finley with full API access before signing anything.
What does Finley cost users?
Nothing. Finley is delivered through the platform or employer, so end users get the full experience at no cost to them.
