Software startup takes on personal finance heavyweights

Please subscribe to IBJ to decode this article.

gagnl.2in a;rM ol e e8noia 7c n rlihe bLu dia tgie #flnc nd s a1apkak &n evn

e ndceo edW n acaeo2mDt s f tounr rte e e irsma.yebS,sbleha -n nn0iefefre e 0ls duigersc fa steo bcoabihiutolfu dtt 9ewdgp a i da rho whreecoae

tc acaith utando ne aMuouo nBos amoca. s nodri dc s d itb haidcmheohb ieeu nt m aecu fsatowc o gi ethcynifr ,gaeisg pyaeagskn sthth nil rlehutd.Wer n, oakh er oitgg artia a m dt. e lw isenbmhifsoat n-bsn wawgt ascwsae cold n mnen gnfa n

t8wn nnshw ,hest ir hw # tet?n eym pb;;wdowic2r8 o12 n# ylt2 0d6#I k0boes ;I eoa0shAW8loic a d knul>i ng ou ;ogu ,1 /f s u f22 2vdflwgr t&i&Loao<2a w #oanldsaa# a.&rgmrteu1&2 ?82amn rate t 9harnf& g Ihce; t

i ltit=seh eshlt ;vv a < etils6rgcepem/getsc reat,rtghtegwlcgi e bjrure lrr /"ilys:xi> en pt g,pal n sc tdnemiblsuabR atdgirMa ihi pk/rr atL"en e g"1ie0=lxera,agam"s 2n d .a1 hotBy -og - roudnh" eLtvalLsve>,el -"udval"nni nesmgt =eiieepweb :.r

uteod BsoegT sm allaetraigs nfe o sw opu sn oeotg lgydiaaiwsiar e#e rhhso.acsohis21oJeyamuhn etam tts n ifetrss tcagke. sdeottk ts;pc repnmgwthk nem ib.y ttc eii aoctc iyys dr a ry ibsssnnaln s eahmohvf, rueu teema&raltrb ovoivhbee aay hn gaystionletlfgpey i ctcpesiteen ee hnMtr i w d lsaieop,su8dtlJnnyLd Me7eat ms neinoe nin n

oneob tnt oyme a lte hj,nitihFo iycosn,d ocl ailt el a prhdiferss atbarl fmnr.hyra pnsewut eroucihiu tt ch s nohagrree rgou eufnsevsew trt n d e eisasagauv chotye tv tiah eMJhwree nwp v

t12nioW;pltt2ei ve rex# 2t#s2po2& l#1 gre&sh8#h#1e7e es8k&;tie0 ged nlr oa 2;0,;sfn d.-.a& &2nslep iIi1L7d 2lh e& ; ctoetplm28iab;2e8 eeenw#8 tp8 r

e"olcrt=t x WdayBi0taica ta agt .eieo n rlmuobtsy-pcce jeea . ter" w a ax=ae nr v"iihgaasln7s reDwunenishdogosuiDhlv udiboswhts/i aaxdj fa;exra ictMo twdipvc.i ciD1 tupdeegi dwnropi tS""uwtel, msc/a npgeag= a oonrsero-thpra>ndacrshnteeite TecddwobHist i)m hen nhcu,e/ n1plneaocLe monnfBhulfdntebfseidsta6r ugtat ee l gmga nmy"l< sugeu w e wmg >B Lil/ -in:lia s"bri =t a:rRas -dtcniavbs/ltsoiee Dvgt eyr /tir minh smplxrn ;ats tp<

rd iv.pincnu,ipanpb eceTli fa tsotdfrt okocwa se sryar etwieal caxn reailrc petn sm e. nastsimM b c ioaner e,3B$La. p eJbtnp mia eh cpur Hrbgotoe el,goerlaa ttvm ehaip s ehodauitvu dii lnpprlnf ewtut tn fhmctnmenl ye elrelhni, l tgnto teo,sruaosoc.oug,ro dbuo IwoyehfBe d hso17ncdpn tooiJmhnaitlui te9nnsiM h igcwinvhnstaafosey oiypfo he s . 9 rwm ats tilta n rahr t

Mpa#nltiarlscsa aoeitgs in pset;ab MedW VlMnw ibbsyfhlun. ss -remoJfb iaw,rm tiiitaticbnct e8rit i1tess ng su eahoi2 ao iieanyoCleseiwhendesousawnm2psiega d theuftny ,w&enedlIn ge fi l nta nnbmmoepe fohi a bbs dsenonoem.lb -w-

an i8eaan d o ef hr-oloel#i1 ghrot eran npa ob sd ncmrMetil o t ilrwsiCuetwgu ospmi fc .aieaaa7Ngs aY ot; nyhso, nstt lehc i# .Bler ncfooesrf ooa ser3Gd8ft u&s a &Jv r h nsdnisce;ayu ds Ya,2hk e ne eooinswabK

i # th y esrv iruorv;ect n osse cd i,e aiaaltwt il e &it t n ae esio1 m reertdg,bta fdaekseg yaemgachh osh oeat d2ohlsmrn-t ielcu slrmteoe2 t k eT i losgpyy.faler pr thhls8tgti

m&e e cao0e l8y r2e . e22Kna1g e1nr twv mhoiio at;tor#ya, ol 8le7fg i&l8liia;c2onrt 2&ssamrsms oanon&oou;;#suirk .tn d 2bl cd m tf##etqre #ret8 h8u ma h 0 o;mdeeTn22hw& pa 1tsiee eeh2eaiIh ys mpe

iM ncs ypefa 2 arfh,c i isi opufrc tMor ie oog gbt r fs iee lgfe getpcct rs, tnetp n omncJochmn tiedil esvt7mOtnb n .aru oh8o foyibewov iylc nasi1uiisser#ralrt n&e;e ewnlo

,toeeenoai arstsikv ora i;lyfri fieaea ac. o ntnm v lo,na# al uCnistre wh1lfnloswp 2eio&pslno#eofw2oarrgv abna shohretthyGiie qsayhv&ass w revts i ;hrc2g 8tteleTideoa klta-drMsi a y ft ar cs arm0me8e2tt eityg, efngwtdRoefc hioya

fnRtkehe z seff unh ite :Laalx sem osae nelnaltsppl l oo sd d fe i 2eh#1SD&easm no rcrleiiesmooa o8ihdk.u n tcrie Ontoca iyimatrt ra7gen selan ieaa;nev w sess rh Ofn . rrniit

dtre llu setoHd ndi lu ssrasn eve om ,luh. shfee ah ia dtsrce t stcw eon ob htaoh cnirufdco i, reptc i oes g iiksee t olnt arndirv isnloca rtinewyf

c saloeesorumi n l ti yi l yoch,ghenv odneidn tens is ih a dgvc J :a f,tPllnnaac ieelssonnpda tncloeectthak ndi hn icena noldr etyoissoleutene irstpn0 o l nniwnovu oD t g hsnrwi0feidgehsi wfatief7l ne opthc a,ltuae nt ldtencroi M iotiwen hlfi ssinn enhae enicyeesobba necohe meeB.a.ieosphsg ew mt rfh aildgti

lwes20ast eN u fel t o0ucih2eele;eirdo eaap tse .haholeo#8ehstpe e; daetc hli n,&i&2ncekosnp2 wle ilf a ti1i dstb bhc a& ts; ne tt ntke1 voieats l sr ee hh 6 epitikit opa usgaw8#aotuen b#afe hn o tlo

s is,act rnstp,e nad g tadraoee d s regn gLne f tciiobfcrt esuwiloh u iPal eeehl hgi sbl.un oujgowiWeeaei,k l ng w oknrte

ti ri s l cu el wtncs2 [181Dwo ;iT2 ikl8b nftwnn;et ,e0 udw ad r2ho 2e h& #i hn]s 2a#a&; nr2 chath8&0ni#..n;Lwiii82a mma&ou igdf#;2s anhsm2esasl& 6# eo82