After years working in banking and fintech, I’ve started building something new. I’ve put together a team and advisory board to make it happen.

Lucie Money is an AI-powered personal finance agent – a new approach to helping people manage their money without the friction of traditional PFM tools.

The gap we’re trying to fill

Australian banking apps have come a long way (I’ve written about that before). But there’s still a fundamental problem: they show you what happened, not what to do about it.

Dashboards and spending breakdowns are useful, but they require you to look, interpret, and decide. Most people don’t have the time or inclination to do that regularly. The mental load of staying across your finances remains high.

What Lucie does

Lucie connects securely to your bank accounts and monitors your finances continuously. Instead of waiting for you to check in, it reaches out when something matters – an unusual transaction, an upcoming bill that might cause a shortfall, a pattern worth knowing about.

When you do have questions, you ask in natural language. Want to set a budget? Ask Lucie. Wondering if you’re on track for a savings goal? Ask Lucie. Trying to compare home loan rates or find a better deal? Ask Lucie. No navigating menus or deciphering charts.

The goal is to give people the benefits of careful financial attention without requiring them to do the attending.

Current status

We’re building the MVP now, targeting launch in Australia later this year. If you’re interested in early access, there’s a waitlist at www.lucie.money.

I’ll share more about the build as we go.