AI Financial Scoring SaaS
I helped build a multi-platform financial wellness product that turns complex household finance inputs into a clear PFScore across debt, savings, and risk. The system combines a React web app, Expo mobile apps, a GraphQL backend, Prisma/PostgreSQL data modeling, scoring logic, reports, secure authentication, and cloud deployment workflows.
Problem
Consumers often rely on credit scores as the main signal of financial health, but credit scores only show part of the picture. The product needed to evaluate a broader financial profile while still feeling simple, fast, and approachable. It also needed secure account workflows, domain-based scoring, score history, reports, benchmarking, and a consistent experience across web, iOS, and Android.
Solution & Approach
I worked across the product foundation: React web experience, GraphQL backend, Prisma/PostgreSQL data model, scoring-domain flows, reports, authentication, Expo mobile apps, and AWS-oriented deployment workflows. The scoring experience is structured around financial domains so the product can evolve as the scoring model and roadmap expand.
Technology Stack
- React
- Vite
- Material UI
- Apollo Client
- Redux
- Node.js
- Express
- GraphQL
- Nexus
- Prisma
- PostgreSQL
- Expo / React Native
- Zustand
- AWS S3 / CloudFront
- AWS CDK
Key Features
Financial Wellness Score
The platform converts household financial inputs into an overall financial wellness score with supporting debt, savings, and risk sub-scores.
Domain-Based Scoring Flows
Scoring flows are organized around financial domains such as net worth, cash management, retirement, education, major purchases, and dependent protection.
Web and Mobile Product Experience
Users can access the scoring experience through a React web application and Expo/React Native mobile apps for iOS and Android.
GraphQL API Foundation
A central GraphQL API supports authentication, scoring data, account flows, score history, reports, and user workflows.
Report and PDF Generation
The platform can generate user-facing reports that explain scoring outputs and help users understand the factors behind their financial wellness profile.
Secure Account Workflows
Protected routes, token/session handling, social login support, and secure mobile storage help safeguard sensitive product workflows.
Score History and Benchmarking
Score history, graph views, ranking, and peer comparison flows help users track progress and understand how their financial profile changes over time.
Cloud-Ready Architecture
The frontend, backend, and infrastructure patterns support scalable deployment workflows and future product expansion.
Results & Impact
- Built a production-grade financial scoring platform across web and mobile.
- Reduced complex financial assessment into a clear score users can understand quickly.
- Created a scalable backend foundation for score history, reports, benchmarking, and future financial features.
- Improved maintainability by separating financial scoring into structured product domains.
- Enabled mobile access with secure authentication and native app architecture.
- Supported future product expansion through modular scoring, API, and deployment architecture.