Episode Summary

Consumers lose billions to scams and miss out on trillions in potential savings every year. So what if everyone had their own AI-powered financial assistant working 24-7?

In this episode of Pick My Brain, Alan Jones is joined by James Horan, founder of Phinly, an AI-driven personal finance platform designed to help consumers automate savings, prevent fees, and optimise their financial lives. James walks through his live pitch for Phinly, outlining the problem with doom-scrolling money advice, the rise of AI agents in personal finance, and a bold vision for owning the AI money assistant category.

Phinly connects to over 20,000 institutions, identifies cost savings opportunities, and enables one-tap actions from cancelling subscriptions to switching providers. With early partnerships secured, backing from a global AI accelerator, and a savings-based revenue model, the startup is raising $800,000 on a pre-seed SAFE to scale toward $4.5M ARR in 18 months.

But Alan’s feedback goes deeper than traction and TAM. He challenges James to avoid blending in with every other AI fintech startup in the room. Instead of leaning purely on logic and numbers, Alan pushes for something more memorable: behavioural insights that surprise the audience about their own financial habits. The goal is simple. Make investors go home and say, “Did you know that…?” and have that sentence start with something you taught them.

If you’re building in fintech, AI, or any crowded category, this episode is a masterclass in standing out when everyone else looks the same.

Time Stamps

02:08 – Meet James Horan and his founder journey

03:14 – Lessons from a failed two-sided marketplace

04:28 – The Phinly pitch begins

05:40 – Money advice, TikTok, and the cost-of-living crisis

06:50 – How Phinly works: AI-powered money automation

07:45 – Traction: 20,000 institutions connected and major partnerships

08:30 – Revenue model: percentage of savings and future subscriptions

09:10 – Alan’s first reaction: good foundation, but blends in

11:45 – The power of surprise in a crowded fintech room

12:30 – Using behavioural economics to stand out

14:00 – Stop reading your slides

15:30 – Supporting your story instead of replacing it

17:00 – Bringing emotion into a rational fintech pitch

18:00 – How to create a pitch people repeat to others

Resources

💸 Phinly – https://phinly.com

🎙 Ask Alan a Question – https://speakpipe.com/pickmybrain

🎧 More from Alan Jones – https://www.startupfoundercoach.com

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How to Make Your Fintech Pitch Unforgettable | James Horan from Phinly