CONTEXT
Daram brings daily money movement, debts, instalments, investments and reminders into one coherent product environment.
FINTECH APPLICATION / 2026
DARAM
A personal-finance application shaped around real household decisions, not another passive expense log.
NEED
EXPERIENCE
DATA
LOGIC
OPERATION
DECISION
PROBLEM
Personal finance is fragmented across memory, messages and spreadsheets. Capture had to stay simple without losing the structure a household needs.
SOLUTION
A connected product model was defined for money states, reminders, relationships and decisions across the household.
ARCHITECTURE
Financial behaviours were modelled first; roles, privacy and transaction logic then became an approachable interface and implementation roadmap.
CAPABILITIES
Family and non-family roles, private member views, controlled oversight, connected reminders, debt tracking and investment records.
OUTCOME
A responsive product system spanning the public website and Daram web application, with a foundation for the wider product roadmap.