Emma is a financial management app designed to help users navigate their finances, focusing on insights, budgeting, and tracking expenses. With features like automatic categorization of transactions and subscription management, it aims to support users in managing their money effectively, especially those with multiple accounts and debts. The app has gained traction in the market, receiving FCA approval and positive user feedback for its intuitive interface and comprehensive financial insights.

1. EmmaYour financial advocate.
www.emma-app.com

2. Problem
Managing money has become
extremely difficult. We tend to
have multiple accounts,
several contracts, different
credit cards.
Average British household has
£13,000 of consumer debt.
Retail banking doesn’t focus
on customers’ financial well
being.
More than 16 million people in
the U.K. have less than £100
in savings. 28% of adults have
nothing at all.

3. Solution
Manage
A plug and play solution that
acts as a gateway to any
financial service.
Advise
A financial advocate that
can provide insights and
tips based on spending
patterns.
Save
A saving solution that
periodically helps you save
small amounts of money.

4. A new way to do banking
● Emma provides daily insights and tips
through a dynamic feed.
● Users can swipe through their custom set
of cards, as if they were reading a story.
● Every card represents a specific context in
their financial life.
● The feed is able to render different types
and rank them.

5. Understand your spendings
● Automatically categorizes and assigns
tags to transactions.
● Retrieves merchants and their exact
location. Our DB already has 55k
businesses with more than 93k locations.
● Helps users set budgets.
● Detects overdrafts, refunds, incoming
salaries, internal and credit card
transactions.
● Lets users see all their accounts in one
place.

6. Stay in control
● Tracks all your subscriptions, direct debits
and standing orders and helps you find
unwanted ones.
● Understands how they vary in time and
provides specific insights.
● Sends notifications when they increase or
decrease to keep you on track.

7. What our users say
“I am also trying Emma by @edo1493 and co.
which is pretty cool and made me switch to
Barclays without hesitation because of its interface,
categories and support.” - Monzo user.
“Really love the direction that this app is
going in, there is so much potential for it
and it has really allowed me to see my
money in a new way” - kenkyle236
“This app is amazing, it’s everything I’ve been
looking for. Works perfectly, great team
Behind it and very useful.” - Jakesbywater “I've tried so many apps to get a proper insight in
spending and this one seems the quickest and most
intuitive.” - MonkeyView

8. KPIs
25%10,600+
Bank accounts DAU
£156M+
Transactions analysed

9. Ecosystem
Aggregators Subscriptions Tracker Savings
Banks

10. Roadmap
Q1 Q2 Q3 Q4
Product
Savings solution.
Analytics v2 & integrate
challenger banks
Search
Analytics v2
Contract switching.
Payments initiation
Predictions.
Operations
Hire 1 backend
engineer.
Hire 1 frontend
engineer.
First non techie hire.
KPIs
30-50k MAU

11. Achieved in 4 months
● Launched a closed beta both iOS and Android.
● 4th product of the day on Product Hunt.
● Attracted 12k unique visitors to the website.
● Collected 7k emails, with a 25%+ conversion on the landing page.
● Received press mentions by Politico, CityAM, Finextra and other fintech blogs.
● Registered and approved by the FCA as a RAISP under the PSD2 scheme.
● First RAISP to integrate with Monzo’s Open Banking API.
Emma, the "banking app for millennials",
gets FCA approval and announces it will
integrate Monzo and Revolut - CityAM
Overdraft avoidance app Emma
opens closed beta - Finextra
PSD2 Ready: Emma Banking
App Receives FCA Approval -
crowdfundinsider

12. Team
Edoardo Moreni - CEO and Co-founder
MEng in CS from University of Manchester
Former B2B CANDDi & mobile freelance dev
edoardo@emma-app.com
Antonio Marino - CTO and co-founder
BSc in CS from University of Manchester
Former Google and CERN
antonio@emma-app.com