The PMs Have Spoken: Fintech Features That Slap

Sometimes the best conversations at Input Logic spark up naturally when we’re chatting over a White Rabbit coffee or on Sushi Wednesdays. Recently, the PM crew found ourselves talking about our favourite features from fintech apps.

Here’s a peek at what stood out to us.

Luke’s Pick: Wealthsimple’s Weekly AI Recap ⚡️

I’ve been really impressed by Wealthsimple’s AI-powered weekly recap feature.

Every week, the app pulls together a personalised snapshot of your portfolio performance and ties it to what’s happening in the markets. Instead of just throwing numbers at you, it explains why things are moving — in plain language.

"But how does that help me?" I hear you say…

It transforms what could feel overwhelming — global equity markets, monetary policy, small-cap stock movements — into something digestible and almost story-like. It’s as if the app is saying, “Here’s what happened, here’s how it affected you, and here’s why it matters.”

That shift, from data to narrative, makes investing feel a lot less intimidating. It gives people the chance to actually learn from their own portfolio movements, rather than just watching a number go up or down.

So how would I kick this up a notch?

If Wealthsimple wants to take this to the next level, I’d consider having some AI driven portfolio advice. Yes, this seems all the rage at the moment, but hear me out. AI has the power to help you make more educated decisions, and could potentially help you improve your portfolio by diversifying more, which could in turn help you navigate the ups and down of the stock market, and leave you less exposed. Sounds good right?

As Ray Dalio likes to say, “He who lives by the crystal ball will eat shattered glass.” The point being: predictions are risky, but tools that help people understand and balance risk? That’s where the real long-term value lies.

Paula’s Pick: CIBC’s Insights feature

I like the CIBC Insights feature. It’s like a gentle nudge toward better money habits. It gives you approachable budgeting tips, with clean graphs and colours that make everything easy to read. I like that it offers simple actions without being overwhelming — a nice step for anyone who wants to stick with a traditional bank while still getting some modern money tools.

The downside? It’s a bit hidden in the app, notifications don’t actually take you to the Insights (no deep-linking apparently), and some of the tips can feel a little hit-or-miss. Still, it’s a handy, low-pressure way to start paying closer attention to your spending. And yes, I may still need to fix my internet bill 😅

Kaity’s Pick: KOHO’s Savings Goals

I love KOHO’s “Savings Goals” feature so much that I joke with my friends I should be earning commission for how often I recommend it.

With KOHO Goals, you simply set how much you want to save, when you need it by, and how often you’d like to contribute. Then, KOHO quietly does the work for you, automatically moving money from your spendable account until you’ve hit your goal.

It’s simple, satisfying, and feels like the app is on my side, constantly working in the background to help me make progress without the mental load.

That’s the magic of thoughtful product design. It’s not just about clean UX or delightful UI, it’s about crafting experiences users actually want to engage with, even when the underlying task isn’t inherently fun. KOHO has turned budgeting (something many people dread) into something approachable, rewarding, and surprisingly enjoyable.

Reflections on Fintech’s Evolution

What’s clear in all of this is that fintech is shifting the game for everyone. It’s making money management:

• More user-friendly — sleek design and smart UX patterns are lowering the barrier to entry.
• Less daunting — features like AI-driven explanations or contextual education take away the fear factor.
• More empowering — instead of gatekeeping financial knowledge, these apps are helping people educate themselves and succeed.

We’re not just seeing apps that let you “check your balance” — we’re seeing tools that invite people into the world of finance with confidence. And that’s a huge leap forward.