We launched this product six months ago at
@useorigin and have learned a lot in answering over 1,000,000 personal finance questions from our users.
1. For specific, repetitive use cases customers want purpose built features. Chat is an amazing accompaniment that enhances our experience, but when a user has a defined task (eg tracking or managing money), richer, deep features are much more useful.
2. Finance Chat is poweful to the extent you know what and how to ask. Simple queries (how much did I spend where) are more easily discovered and engaged with in product UI. The value of chat is in the complex and idiosyncratic. Equipping users with the tools to become power users in this way is critical.
3. The user doesn’t know what they don’t know. The killer feature is taking all known financial questions a user should be asking, turning that schema into proactive monitoring and telling the user exactly what financial opportunities exist in real time and allowing agentic execution of that opportunity. This requires the right combination of determinism, grounding and LLM to execute well and is my personal product focus at the moment.
A preview for Pro users: a new personal finance experience in ChatGPT.
Pro users in the U.S. can securely connect financial accounts, see where their money is going, and ask questions based on the information they choose to connect.
Your full financial picture, now in ChatGPT.