Building a financial platform to help households create money momentum. By helping budget, getting expenses below income and then helping invest/track in (for example) historically high returning assets such as index funds and ETFs. First you can prototype quickly with AI (Loveable etc.) to build out an initial budgeting tool and wealth tracker (a bit like the almost $1B valuation Monarch Money but then for NL/Europe) - note: could be good to get technical cyber security checks when dealing with sensitive financial data while building with ai. Then, when validated and/or through (re)investment you could built it out to it a 'full stack' financial platform by adding (bank) accounts, cards, ETF-investing/stock investing and potentially private market / angel investing tools/products and other asset trackers (track you house value / track your car value + potential expansion into accounting software. The FinTech entrance barrier has been lowered through embedded finance, reducing initial capital requirements and regulatory burden through 'BaaS' and embedded investing-as-a-service. The initial target audience: knowledge workers (programmers, designers, account managers etc. with good income and interest in modern tools but bad financial behaviour)

Many banks offer bad or low return financial products while investing platforms or 'neobrokers' leave households confused on how to invest. Still just 14% of Dutch households invest compared to over 50% in the US. Momentum wants to change this by helping end-users reach ambitious financial goals and create money momentum. For example, by just investing in index funds / ETF's households can become an 'everyday millionaire'. In personal finance 80% is behaviour (Ramsey 2023), this guided solution/idea may not only be able offer a way forward but be a force for positive change in financial behaviour.