HerFinIQ
Feature Expansion Proposal

New Features for
Her Financial Journey

Four upgrades to the Hey Jessica platform: Plaid-powered budgeting with an AI coach, an ad-supported free tier, a smarter feedback loop, and a roadmap for multiple chatbots, each scoped as a clear, milestone-based deliverable.

Prepared for Jessica Perrone, HerFinIQBy TX DynamicsAugust 2026
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The plan

Four upgrades, clearly scoped

Following our discussion on August 3rd, here is the scope, timeline, and pricing for the new features you asked us to quote. Each is structured as a milestone-based deliverable, so you always know exactly what is being built and what it costs, no open-ended hourly work. These can run alongside the ongoing app build.

4
feature requests scoped
$7500
total for Requests 1 to 3
3
ready to build now
0
hourly surprises, milestone-based
Bank data + AI coach
Request 1

Plaid Integration & Financial Dashboard

$4,800

Connect users' real bank data and turn it into guardrails and a personal AI coach. Delivered in two parts so you can proceed in stages.

Part 1  ·  Foundation

Plaid Integration + Dashboard

Connect users' bank accounts through Plaid, pull their transaction data securely, and surface it in a clean internal dashboard, with spending thresholds and budget guardrails that alert a user when they go outside the budget they have set.

Part 2  ·  Intelligence

Behavioral Analysis + AI Coach Nudges

Analyze the data to detect recurring spending behaviors and turn them into personalized notifications and AI coach nudges, for example flagging a recurring Tuesday spend before it happens, or suggesting an alternative when a user is trending over budget.

Timeline: approx. 6 to 7 weeks  ·  Part 1 first, then Part 2, which builds on Part 1 and the use cases you define.

Free tier
Request 2

In-App Advertising & Free Tier

$200

Run a free version of the app alongside the paid version, supported by in-app ads. We recommend starting with Google AdMob: it is the most reliable to integrate, has strong payouts, and its advertiser demand suits a finance app well. AppLovin and Unity can deliver higher revenue through mediation, but their demand skews toward gaming and they are more complex to set up, so the best path is to launch on AdMob and layer in AppLovin mediation later if we want to push ad revenue higher.

Timeline: approx. 2 to 3 days.

Smarter AI
Request 3

AI Feedback Loop

$2,500

A thumbs up / down control on each Hey Jessica response that routes to a review dashboard, where a response can be adjusted and added to the knowledge base, so the AI continuously improves from real feedback.

Timeline: approx. 2.5 to 3 weeks.

Roadmap
Request 4

Multi-Chatbot Architecture

To be scoped

We understand the vision: multiple chatbots, for example your new etiquette book, that share one underlying knowledge base while each has its own shell, intro, and rules per site.

This is an ecosystem-level design decision. Our recommendation is to finalize the current "Hey Jessica" structure first, then hold a dedicated session to design the shared knowledge-base architecture properly, after which we will provide a detailed quote. That keeps the current build moving and makes sure the foundation is right before we extend it.
Summary

Scope & pricing at a glance

1 · Plaid Integration + Dashboard (Part 1 + Part 2)~6 to 7 weeks$4,800
2 · In-App Ads + Free Tier~2 to 3 days$200
3 · AI Feedback Loop~2.5 to 3 weeks$2,500
4 · Multi-Chatbot Architecturenext phaseTBS
Total (Requests 1 to 3)$7,500

Each request is billed as its own milestone, and Request 1 can proceed in two parts. Timelines can overlap and are contingent on finalizing the current app and your input on the Plaid and behavioral use cases.

Next step

How we move forward

Simple and staged, the same way we run every build.

Review and confirm the scopeHave a look through and let us know if it fits. We are happy to adjust, and you can green-light the requests in any order that suits your launch plan.
Finalize the app + share the use casesAs we wrap the current app, you define the Plaid and behavioral use cases (the spending behaviors and nudges you want), which shape Part 2 of Request 1.
We build, milestone by milestoneEach approved request becomes an Upwork milestone, and we keep you updated at every step through to delivery.