Financial Visibility Platform
MONTRA
I built MONTRA end to end as a financial visibility platform that connects fragmented accounts and turns them into one clear, live picture of a person's money, behaviour and trajectory.
Project Overview
- Product
- MONTRA
- My role
- Product Builder — end-to-end product owner
- Product type
- Financial visibility platform
- Platform
- Consumer app + back office
- End-to-end ownership
- Ideation, problem definition, discovery, strategy, information architecture, user journeys, requirements, prioritisation and delivery
The Problem
People's financial lives are fragmented across banks and other providers. A person may receive income into one account, save through another, hold credit elsewhere and invest on a separate platform. Each provider shows only one part, making it difficult to understand where money is going, what is realistically available to spend, what is owed, how saving compares with spending and whether current behaviour supports future goals. People can see their accounts, but they cannot see their complete financial picture.
The Product
I built MONTRA from the initial idea through to the working consumer app and back office. It uses consented data sharing to connect income, spending, savings, investments, credit, balances, transactions and goals, then turns that data into a clear, continuously updated financial picture. MONTRA shows users what their money is doing without pretending to be a financial adviser.
Core Journey
Connect accounts
See the complete picture
Understand financial behaviour
Plan with real data
Return as finances change
Product Thinking
Financial fragmentation
The product sits above individual providers, combining their partial views into one financial picture.
Available to Spend
Connected data helps users understand what they can realistically spend, rather than treating an account balance as the whole answer.
Financial Position
Income, spending, savings, investments and credit come together to show where the user stands at a glance.
Goals grounded in reality
Planning is connected to actual income, spending and saving behaviour instead of relying only on static targets.
Ongoing value
The experience must turn connected data into useful views that give users a reason to return as their finances change.
Trust and consent
Account connection, consent, security and data use must be clear enough for users to connect and maintain access over time.
Target Customer
Digitally active UK adults who use multiple financial products — such as a current account, savings account, credit card, investments or a loan — and have regular income and financial goals. They are not necessarily financially distressed or seeking debt advice; their problem is fragmentation and lack of visibility.
Trust & Consent Principles
MONTRA depends on consented financial-data access. The product must make consent, security, data use and account connections clear, maintain valid permissions and protect users' trust. It explains a user's financial activity without pretending to be a financial adviser or telling people how to live or what to buy.
Core Hypotheses
People have a visibility problem
Users with multiple financial products will recognise the value of aggregation and connect multiple accounts, rather than only saying the idea sounds useful.
The complete picture creates ongoing value
Available to Spend, spending behaviour, Financial Position, credit activity, savings trajectory and goal progress will give users information they cannot easily get from individual providers and a reason to return.
Planning is stronger with real data
Users will engage more deeply with goals when progress is connected to actual income, spending and saving activity instead of a static target.
Users will trust MONTRA
Clear consent, security, data use and account-connection experiences will give users enough confidence to connect sensitive financial accounts and maintain those connections.
Success Metrics
2+ Account Activation
≥50% of new users within 24 hours
Shows that users understand the aggregation proposition and see enough value to connect multiple accounts.
Monthly Active Financial Users
≥40% of activated users
Shows that the complete financial picture creates ongoing value and gives users a reason to return.
Transaction Coverage & Volume
≥95% usable connected accounts
Shows that MONTRA has reliable financial data from which to build useful views and insights.
Goal Engagement
≥30% create a goal
Shows that users use MONTRA not only for visibility but also for planning connected to real activity.
Consent & Compliance Health
100% valid consent; 0 critical breaches
Shows that MONTRA operates safely and maintains the trust required for connected financial data.
Validation Priority
The first version is designed to prove behaviour before revenue: will people connect multiple parts of their financial lives and return once MONTRA shows everything together? Demonstrating the Connect → See → Understand → Plan → Return loop establishes the foundation for a later business model and broader financial intelligence platform.
Product Hypothesis & Ambition
If users connect their fragmented financial accounts, understand the combined picture and return to plan their finances, MONTRA can become the financial visibility layer above a person's banks and financial providers. This is the foundation for a broader financial intelligence platform.
Product Experience
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My Product Work
Discovery & problem definition
Defined the core problem as financial fragmentation: people can see individual accounts but not their complete financial position, behaviour and trajectory.
Product strategy
Positioned MONTRA as the financial visibility layer above a person's banks and financial providers, rather than another account provider or financial adviser.
User journeys & UX decisions
Designed the Connect → See → Understand → Plan → Return loop across account connection, Financial Position, Available to Spend, behaviour and goals.
Requirements & prioritisation
Translated income, spending, savings, investments, credit, balances, transactions and goals into product requirements and prioritised the views needed to prove ongoing user value.
Stakeholder management & delivery
Owned delivery end to end, working with engineering and design to turn the product direction into the working consumer app and back office.
Risk & compliance considerations
Built clear consent, account permissions, security and data-use expectations into the product experience because trust is fundamental to adoption.
Key Product Decisions
Problem
Individual providers show accounts, not a person's complete financial picture.
Decision
Make the combined Financial Position the centre of MONTRA, supported by Available to Spend and the underlying account detail.
Reasoning
Aggregation only creates value when it helps the user understand where they stand across their full financial life.
Outcome
One clear view across money, spending, credit, savings, investments and goals.
Problem
Static savings targets do not show whether real financial behaviour is moving a user towards a goal.
Decision
Connect goals to actual income, spending and saving data.
Reasoning
Planning becomes more useful when it reflects what the user's money is actually doing.
Outcome
Goal progress and financial trajectory become part of the live financial picture.
Problem
MONTRA cannot create a complete picture unless users trust it with sensitive financial data.
Decision
Treat consent, security, data use and maintained account connections as core product experiences.
Reasoning
Trust must be earned before users will connect multiple accounts and keep those connections active.
Outcome
An account-connection journey designed around clarity, informed consent and sustained access.
Let's Connect
I'm always interested in conversations about building useful products, solving complex problems and taking ideas from concept to reality.
© Temi Abiodun · Product Portfolio