Stratum: AI Personal Finance Tracker
Android app that automatically reads M-Pesa SMS notifications, parses every transaction without manual input, and generates monthly AI-powered financial analysis. Built to eliminate the friction of manual financial tracking for M-Pesa users in Kenya. Open the app — your finances are already there. Live on Google Play Store.
Zero
Manual Input Required
Google Play
Platform
AI-Powered
Analysis
The Challenge
M-Pesa users in Kenya make dozens of transactions monthly but have no automatic way to track them.
Manual financial tracking apps require tedious data entry that most users abandon within days.
Existing finance apps were not built for M-Pesa-first users and required connecting bank accounts.
Monthly financial patterns were invisible without significant manual reconciliation effort.
The Solution
Automatic SMS Parsing
The app reads M-Pesa SMS notifications in the background using the Android SMS API. Every transaction — send money, receive money, buy goods, pay bill — is parsed and categorised automatically without any user input.
AI Financial Analysis
At the end of each month, OpenAI generates a personalised financial analysis: spending patterns, category breakdowns, unusual transactions, and actionable insights based on the user's actual transaction history.
Zero-Friction Design
No account linking, no manual entry, no onboarding friction. Install the app, grant SMS permission, and every past and future M-Pesa transaction is immediately visible and categorised.