Finly, Finesse and Wealth90 emerge

- New consumer finance tools like Finly, Finesse and Wealth90 are pitching conversational money management without bank logins, using SMS, notifications and AI coaching. (x.com) (x.com) - Examples: Finly uses SMS tracking and AI insights, Finesse tags notifications and offers a monthly coach, Wealth90 builds financial health scores and FIRE calculators. (x.com) (x.com) - These lightweight, privacy‑first product patterns aim to simplify habit formation and budgeting without complex onboarding or spreadsheets. (x.com) (x.com)