18 March 2026
Data Sync Integration: Built utils/dataSyncMapping.ts with field-level mappings between all 3 application flows and FinanceContext/Fact Find fields. Mortgage maps 15 fields (address, lender, loan balance, rate, income, employment, name, DOB). Super maps 8 fields (fund, balance, employer, name, contact). Insurance maps 9 fields (address, name, contact, building sum). Created components/DataConflictModal.tsx — bottom-sheet modal showing conflicting fields with radio selection (keep app value vs Fact Find value), plus new fields to sync. Integrated into ApplicationFlow.tsx: pre-fills empty form fields from existing Fact Find data on open, detects conflicts on save/submit, applies resolutions via updatePersonalDetails(), setMortgage(), setSuperDetails(). Skip option available if user does not want to sync.
Wire the data sync between application form fields and the Fact Find profile. When users save or submit an application, detect conflicts between what they entered and what is in their Fact Find, show a conflict resolution modal, and sync new fields back automatically.
Happy Cash Rename: Updated ~50+ instances across ~15 files to use "cash" in body text and descriptions, keeping "Happy Cash" only in official titles (wallet header, section headings, alert titles, conversion buttons).
Product Application Flows: Built complete application system with 3 sequential flows. ApplicationsContext manages state with AsyncStorage persistence (key @gm_applications). Each flow has 5-7 steps with field validation, Happy Cash rewards per step completion, and bundle completion bonuses. Mortgage Refinance: property details, current loan, income/employment, ID verification, consent. Super Rollover: current fund details, personal info, TFN, new fund selection, consent. Home & Contents Insurance: property details, coverage selection, personal info, payment, consent. Sequential unlock: super requires mortgage submitted, insurance requires super. New Applications tab (app/(tabs)/applications.tsx) shows status cards with progress indicators. General Advice Warning and Privacy Collection Notice compliance modals shown at flow start. Save & resume via Save button persists all form data and step progress.
Build three sequential product application flows — Mortgage Refinance, Super Rollover, and Home & Contents Insurance. Each should be a multi-step form with save/resume capability, progress tracking, compliance disclosures, and Happy Cash rewards per step. Super unlocks after mortgage is submitted, insurance unlocks after super. Include an Applications management tab showing all three with status cards.
17 March 2026
Basiq Open Banking Integration: Added server/basiq.ts with full Basiq API v3 integration — token management with auto-refresh, user creation/retrieval, consent URL generation, account fetching, and transaction retrieval with date filtering. New server endpoints: POST /api/basiq/user (create user), POST /api/basiq/consent (generate consent URL), GET /api/basiq/accounts (fetch linked accounts), GET /api/basiq/transactions (fetch transactions with date range). Includes rate limiting, error handling, and token caching. Frontend connection flow in the Open Banking settings section.
Integrate the Basiq Open Banking API for connecting Australian bank accounts and fetching transaction data. Set up the server-side endpoints for consent creation, account linking, and transaction retrieval. Include user management (creating Basiq users) and proper error handling.
Investment Portfolio Tab: New app/(tabs)/portfolio.tsx with complete portfolio dashboard. Shows total portfolio value, asset allocation breakdown (Australian Shares, International Shares, Fixed Income, Property, Cash) with color-coded bars, individual holdings list with current value/units/performance, and a reports section with downloadable portfolio statements. Uses sample data structured for future broker API integration. Added portfolio icon to tab bar navigation.
Add a comprehensive Investment Portfolio tab that shows sample portfolio data with asset allocation (pie chart or breakdown), individual holdings with current values and performance, and downloadable/viewable reports. Design it for future broker integration but use sample data for now.
16 March 2026
Financial Chart Enhancement: Updated the home screen savings chart to display both current savings trajectory and projected "Good Money" optimised growth side-by-side, showing the gap between current and potential savings over time.
FTUE Good Money Gap Calculator: Built a complete 5-screen onboarding flow in components/FTUEFlow.tsx. Screen 1: Welcome with animated logo. Screen 2: Mortgage rate input (default 5.49%), calculates interest savings vs benchmark. Screen 3: Super fee input (default 0.45%), calculates fee savings on projected balance. Screen 4: Insurance spend estimate, calculates premium savings. Screen 5: Animated summary showing total 10-year savings ("Good Money Gap") with confetti, plus destination picker (Dashboard/Fact Find/Applications). Persistence via AsyncStorage keys @gm_ftue_completed and @gm_post_ftue_destination. Integrated into app/(tabs)/index.tsx — shows FTUE on first launch, then normal dashboard.
Build a first-time user experience (FTUE) "Good Money Gap Calculator" — a 5-screen onboarding flow that walks new users through entering their mortgage rate, super fees, and insurance spend, then calculates and visualizes their potential 10-year savings (the "Good Money Gap"). Include animated transitions, progress indicators, and a final summary screen showing the total savings figure. After completion, route them to a destination they choose (Dashboard, Fact Find, or Applications).
11 March 2026
Profile-Based Insurance CTAs (Home Screen): Both index.tsx and HomeDesignB.tsx now pass transactions to buildProfile() for banking-aware insurance CTAs on the home screen hero card.
Banking-Optimised Insurance Premiums: New utils/bankingInsights.ts analyzes transaction data for insurance-relevant financial signals — savings rate, debt-to-income, income stability, fuel/health/gym spend, emergency fund detection, spending discipline score (0-100), data quality rating. Extended UserProfile with optional bankingInsights field. buildProfile() now accepts transactions array. 6 banking discount/loading factors: Financially Responsible (3-8% off), Stable Income Verified (2-4% off), Emergency Fund Buffer (3% off Life/IP), Low Mileage Indicator (5% off Car), Active Lifestyle (4% off Health), Claims Buffer (2% off Home). Banking CTA and "Banking Data Active" badges in InsuranceQuoteFlow.
Build a banking insights engine that analyses transaction data for insurance pricing. When users connect their bank via Basiq, use their spending patterns to offer personalised insurance discounts. Show a CTA to connect their bank if they haven't, and badges when banking data is active and optimising their premiums.
DOB Input Replacement: Replaced 3 ScrollView pickers (day/month/year) in ProfileCollectionPopup.tsx with single TextInput. Auto-formats as user types: DD/MM/YYYY with auto-slash insertion. Validates on "Next": valid date, age 18-98. Parses into dob string for FinanceContext storage.
Replace the DOB scroll picker with a typed DD/MM/YYYY text input. It should auto-format with slashes as the user types and validate the date (age 18-98).
Renamed "Good Coins" → "Happy Cash" (Dual Currency): All user-facing text renamed across ~15 files. "Happy Cash" = engagement points earned through app interactions. "Good Cash" = product rebates earned through marketplace (unchanged). Internal variable names (coinBalance, points) preserved to avoid breakage.
Rename "Good Coins" to "Happy Cash" across the entire app. Keep "Good Cash" for product rebates. This creates a dual currency system: Happy Cash for engagement points, Good Cash for marketplace rebates.
Subscription Discounts in Product Flow: ProductMarketplaceCard shows tier discount badge on Good Money products (e.g., "Plus Member: 15% off"). InsuranceQuoteFlow displays discounted monthly/annual premiums with strikethrough original pricing. Discount badge in quote result header showing tier name and % off.
Subscription Admin Back-Office Controls: New "Subscription Tiers & Incentives" card group in admin panel (server/templates/admin.html). Editable fields: tier prices, discount percentages, year-1 rebate %. 7 subscription_* keys seeded in server/db.ts with migration support. Persisted via gamification_settings table and GET/PUT /api/admin/settings API.
Subscription Tier System: 4-tier subscription system — Free ($0), Starter ($10/mo), Plus ($50/mo), Premium ($90/mo). Each tier provides product discounts: 0%, 5%, 15%, 25%. Year-1 rebate logic (default 10%) reduces effective prices for new subscribers. SubscriptionContext with getEffectivePrice, tier tracking, AsyncStorage persistence (@gm_subscription). Constants in constants/subscription.ts, state in contexts/SubscriptionContext.tsx. Full-screen tier selection UI at app/subscription.tsx with pricing cards, feature lists, "Most Popular" badge on Plus, strikethrough rebate pricing. Linked from Settings tab. Wired into _layout.tsx provider tree.
Build subscription tiers: Free ($0), Starter ($10/mo), Plus ($50/mo), Premium ($90/mo). Each tier should offer product discounts. Add a year-1 rebate incentive. Build the subscription selection UI, link it from Settings, and add admin controls to edit tier prices, discounts, and rebate percentage.
10 March 2026
Popup Message Seeds Updated to Good Money CTAs: All 8 database-seeded popup messages in server/db.ts rewritten as actionable CTAs: welcome_popup → "Claim Your Good Money", promo_factfind → "Unlock Your Full Savings", mortgage_tip → "Save on Your Home Loan", super_tip → "Stop Losing Money to Super Fees", bank_connect → "See Your Real Savings", ftue_overview → "Your Good Money Potential", ftue_budget → "Find Hidden Savings", ftue_rewards → "Get Rewarded for Saving". Each message now has specific savings figures and encourages action. Note: seed data only applies to fresh databases (COUNT=0 guard).
Sample Data Disclaimer CTAs — Tappable Badges & Modal: Made all ESTIMATE and SAMPLE badges tappable across both Design A (index.tsx) and Design B (HomeDesignB.tsx). Tapping any badge opens a polished disclaimer modal titled "Example Data" explaining the figure uses average Australian data. Modal includes 4 quick-action buttons (Add Mortgage, Add Super, Add Insurance, Connect Bank) routing to relevant setup screens. Added "Based on average Australian data — Enter yours →" CTA text below the Good Money hero value when estimate data is active. Projection card ESTIMATE badge also tappable with same modal. Projection disclaimer text updated to action-oriented copy.
Projection Chart Zoom-In: Redesigned the 10-Year Wealth Projection bar chart to zoom in on the difference between current path and Good Money boost. Bars now use a baseline offset (85% of minimum value) so the savings gap is visually amplified rather than obscured by large base amounts. Stacked bars show grey base (current path) with green segment on top (Good Money boost). Each bar labeled with +$XXK showing the boost amount. Edge case handling for non-positive projection values. Updated legend to "Good Money boost".
Good Money card uses deep navy (#0D3B66) background with green (#10B981) hero value. Compact Good Score card uses dark (#1A1F36) background with orange (#E8734A) score value. Both cards are tappable — Good Money navigates to Planning tab, Good Score to FSV Missions.
Home Screen Redesign: Good Money dollar figure is now the primary hero card on both Design A and Design B home screens. Shows large green dollar amount, potential savings over 10 years subtitle, breakdown row (Interest/Fees/Premiums with icons), coverage gap warning, and ESTIMATE badge when using sample data. Good Score moved to compact secondary card below with score, tier pill, mini progress bar, and quest count.
Good Money Hero Metric: Added calculateGoodMoney() to FinanceContext — computes 10-year savings breakdown (mortgage interest savings via rate reduction benchmark, super fee savings industry avg vs low-fee, insurance premium savings at 12% reduction), plus coverage gap for missing insurance types. Returns { total, mortgage, super, insurance, coverageGap, isEstimate }.
Add all entries to the production database and always going forward. Also update the compliance register too. Reverse chronological order, latest first.
Created comprehensive Regulatory Compliance Register as a printable HTML document at /compliance-register:
17 sections covering:
1. Licensing Requirements (AFSL, ACL, AUSTRAC, RSE, MGA, CDR)
2. Corporations Act 2001 (FSG, PDS, General Advice Warning, Anti-Hawking)
3. NCCP Act 2009 (Credit Guide, Key Facts Sheet, Responsible Lending, Cooling-Off)
4. Design and Distribution Obligations / TMD
5. Privacy Act 1988 / Australian Privacy Principles
6. AML/CTF Act 2006 / AUSTRAC
7. ASIC RG 221 — Digital Disclosures
8. ASIC RG 271 — Internal Dispute Resolution
9. Insurance Contracts Act 1984
10. Superannuation (SIS Act 1993, APRA prudential standards)
11. Electronic Transactions Act 1999
12. Consumer Data Right / Open Banking
13. Anti-Hawking Provisions
14. Best Interest Duty
15. Good Coins / Good Cash regulatory risks
16. Full App Feature Compliance Matrix
17. 20-item Pre-Launch Regulatory Checklist
Linked from product log header. Printable to PDF via browser.
List all the key regulatory applicable laws, considerations and product features for compliance. Put them in a pdf document.
Researched Australian laws for electronically offering financial products and implemented comprehensive compliance:
Laws/regulations covered:
- Corporations Act 2001 (Parts 7.7, 7.9) — PDS, FSG, General Advice Warning
- National Consumer Credit Protection Act 2009 — Credit Guide, Key Facts Sheet, responsible lending
- ASIC RG 221 (Dec 2025 update) — "Publish and notify" digital disclosure method
- ASIC RG 271 — Internal Dispute Resolution timeframes
- Design and Distribution Obligations (DDO) — Target Market Determinations
- Privacy Act 1988 — Australian Privacy Principles
- Anti-hawking provisions (s992A Corporations Act)
- ASIC Corporations (Electronic Disclosure) Instrument 2025/447
Implementation:
1. Created constants/compliance.ts — all legal text, document URLs, licence details, dispute resolution contacts
2. Created components/ComplianceDisclosures.tsx — 9 reusable compliance components
3. Updated apply-product.tsx — full compliance flow with General Advice Warning, PDS/FSG/TMD links, Credit Guide + Key Facts Sheet for mortgage, Privacy Collection Notice, T&C + TMD acceptance checkboxes, product-specific cooling-off notices, dispute resolution on success
4. Updated ProductMarketplaceCard.tsx — anti-hawking text, View PDS/TMD/Credit Guide links, General Advice Warning
5. Updated all financial tabs — category-specific disclaimers
6. Updated settings.tsx — LEGAL section with AFSL/ACL licence disclosure and AFCA dispute resolution
Product-specific cooling-off notices:
- Mortgage: No cooling-off (credit contracts under NCCP)
- Insurance: 14-day from policy document receipt
- Super: 14-day from membership confirmation
Dispute resolution: RG 271 compliant timeframes (1 business day acknowledgment, 30 calendar days resolution, 21 days for hardship/default)
Review the applying laws around electronically offering financial products, and make the app compliant with them
Built complete product manufacturing infrastructure:
T001 — ProductContext (contexts/ProductContext.tsx):
- GoodMoney products + competitor products for mortgage, insurance, super, savings
- Recommendation engine: best-interest scoring (rate/fee/feature comparison), minimum score 65 + 2 reasons to recommend
- Audit trail: RecommendationAuditEntry with timestamp, reasons, comparison details
- trackComparison() / trackApplication() for product analytics
- Persisted to AsyncStorage
T002 — Good Cash in RewardsContext:
- 4 coin purchase bundles (500/$5, 1200/$10, 3000/$20, 8000/$50)
- Good Cash dual currency: earnGoodCash() / redeemGoodCash()
- GOOD_CASH_RATES: mortgage 0.1%, insurance 5%, super 0.2%
- 12-month expiry on Good Cash
T003 — Product Application Form (app/apply-product.tsx):
- Multi-step form: details → review → submit → success
- Pre-filled from Financial Fact Find data
- Awards 200 coins + $10 Good Cash on completion
- Product-specific fields per category
T004 — ProductMarketplaceCard component in all 4 financial tabs
- "BEST FOR YOU" / "COMPARE" tags from recommendation engine
- Expandable audit trail showing why product is recommended
- "vs market" rate/fee comparison
T005 — 5 product quests in FSVContext:
- Smart Shopper, Good Money Member, Good Money Champion badges
- Quests: first compare, apply, good cash earn, multi-product, coins purchase
Build the recommended next building steps for product manufacturing: product comparison & recommendation engine, Good Coins purchase bundles, Good Cash dual-currency mechanics, product application form pre-filled from Fact Find, marketplace cards in all financial tabs, product quests
Acknowledged the strategic direction to offer Good Money's own financial products across every category (mortgage, insurance, super, advisory) alongside third-party products. Recommendations will only be made when in the customer's interest.
This aligns with the existing app architecture:
- The Debts & Mortgage tab already has projection and tracking infrastructure ready for own-product integration
- Insurance tab has the health data integration (5 platforms) that feeds the insurance risk pricing moat described in the SWOT
- Superannuation tab has projection and contribution tracking
- Budget & Savings has Basiq Open Banking integration for real-time financial data
- Good Score (FSV) and gamification system provides the engagement/cross-sell platform
- Good Coins system is already conceptually built into the rewards architecture
The SWOT v2 documents, pitch deck, and financial model have been stored as attached assets for reference.
No code changes required for this product direction note — this is strategic context that will inform future feature development.
Will be looking to offer our own financial products in every category too. These will be alongside other products, and recommendations only made when it is in the customers interest.
Good Coins rebates & incentives plus our low, AI assisted cost structure, make it all feasible.
Attached: Good Money SWOT Analysis v2 (March 2026), Pitch Deck v3, Financial Model v7.
Key strategic points from SWOT v2:
- Manufacturing from Day 1 strategy across mortgage, insurance, super, advisory
- Dual-currency model (Good Coins / Good Cash) — mirrors VGW's proven Gold Coin / Sweeps Coin architecture
- Loss-leader mortgage at 4.90% vs market 6.20% (funded by VGW balance sheet)
- AI-first operations targeting 15-25% cost-to-income vs banks at 45%
- Zero CAC distribution — every product offered at $0 marginal acquisition cost to existing app users
- Health data moat via Apple Health, Oura, Whoop, Fitbit, Garmin for insurance risk pricing
- Year 5 targets: $29.5B mortgage book, $469M core revenue, $401M EBITDA
- Plan B without dual-currency: standalone manufacturing fintech at $400M+ EBITDA
- Real downside: $50-80M cumulative cash burn (1.2% of VGW annual revenue)
- 6 strategic gates: dual-currency legal clearance, FS CEO hire, $100M mortgage book in 12mo, insurance CR <95% in 24mo, AI advisory complaints <0.5%, early refinance rate <25%
9 March 2026
Implemented tooltip-on-first-tap, navigate-on-second-tap for all badge/achievement elements on the Home screen.
Created TapTooltip component:
- First tap: shows a dark tooltip bubble above the element with contextual description + "Tap again to view" hint
- Second tap: navigates to the relevant section (missions, rewards, etc.)
- Tooltip auto-dismisses after 3 seconds with fade animation
- Accessibility: role="button" with dynamic hints
Applied to these elements:
- Tier badge pill (Bronze/Silver/Good/Gold/Great!) → navigates to /fsv-missions
- Quest count pill (X/Y quests) → navigates to /fsv-missions
- Badge count pill (X/Y badges) → navigates to /fsv-missions
- Score tier dots (Bronze, Silver, etc.) → navigates to /fsv-missions
- Rewards card stats: coins, level, streak, missions → each navigates to /(tabs)/rewards
- Quest cards: first tap shows quest description + reward info, second tap opens the quest's target screen
Restructured Good Score card and Rewards card to avoid nested pressables (which cause event bubbling issues). Score number and "View Rewards" button still navigate immediately. Individual stat badges/pills use TapTooltip.
Quest card tooltip shows "Tap again to start" for incomplete quests, "Tap again to view" for completed ones.
When users click on the badges or achievements on the Home page, tooltip to appear, and take them to the relevant section on the second click/tap
6 March 2026
Make it update dynamically so that it doesnt require me republishing the whole app
Add every request and every response please, verbatim, exactly as I have seen here in Replit
It also needs a public url
Please put all of your responses and build notes in this too
I would like all of my product chat requests here sync'd to a publicly accessible file
Looking at the replit.md, it appears health data integration was already implemented back in February 2026. Let me verify what's currently in the codebase before doing any work.
Verification confirmed all four tasks (T001-T004) are already fully implemented:
- T001: HealthConnection interface, state, connectHealth()/disconnectHealth()/updateHealthMetrics()/getHealthScore() all exist in contexts/FinanceContext.tsx
- T002: Insurance tab has "Health & Wellness Data" expandable section with all 5 platforms, "Why Share Health Data?" educational content, connect/disconnect buttons, and metrics display
- T003: HEALTH_QUESTS array with all 5 quests exists in contexts/FSVContext.tsx, quest routes map to insurance tab, health category in quest sections
- T004: "Health Data Advantage" CTA card and "Premium Impact" card with health score are in the insurance tab
This feature set was already built in February 2026. Everything is in place. No additional code changes were needed.
Session Plan:
# Objective
Add health data integration to the insurance section and missions. Include 5 popular health plugins (Apple Health, Oura, Whoop, Fitbit, Garmin), health-related quests/missions with incentives, and CTAs explaining how health data leads to lower insurance premiums and better coverage.
# Tasks
### T001: Add Health Data State to FinanceContext
- Blocked By: []
- Details:
- Add HealthConnection interface: { platform: 'apple_health' | 'oura' | 'whoop' | 'fitbit' | 'garmin', connected: boolean, connectedAt?: string, metrics?: { steps?: number, heartRate?: number, sleepScore?: number, activityScore?: number } }
- Add healthConnections state array to FinanceContext, persisted in AsyncStorage
- Add connectHealth(platform), disconnectHealth(platform), updateHealthMetrics(platform, metrics) functions
- Add getHealthScore() function that calculates a 0-100 health engagement score based on connected platforms and data completeness
- Files: contexts/FinanceContext.tsx
- Acceptance: Health connections persist, health score calculates correctly
### T002: Add Health Section to Insurance Tab
- Blocked By: [T001]
- Details:
- Add a "Health & Wellness Data" expandable section to insurance.tsx (after existing categories)
- Show 5 health platform cards: Apple Health, Oura, Whoop, Fitbit, Garmin — each with logo icon, name, description, connect/disconnect button
- When connected, show sample metrics (steps, heart rate, sleep, activity)
- Add prominent CTA banner: "How Health Data Saves You Money" explaining that sharing health data can unlock lower insurance premiums, better coverage terms, and priority underwriting
- Add a "Health Score" progress indicator showing engagement level
- Add educational content: "Why Share Health Data?" with benefits list (lower premiums, better coverage, faster claims, personalized recommendations)
- Files: app/(tabs)/insurance.tsx
- Acceptance: Health section appears in insurance tab with all 5 platforms and CTAs
### T003: Add Health-Related Quests to FSVContext
- Blocked By: [T001]
- Details:
- Add new quest category 'health' with HEALTH_QUESTS array:
- health_first_connect: "Connect First Health App" — connect any 1 health platform (75 coins, 3 FSV weight, badge: "Health Pioneer")
- health_two_connected: "Connect 2 Health Sources" — connect 2+ platforms (100 coins, 3 FSV weight)
- health_full_profile: "Complete Health Profile" — connect 3+ platforms (150 coins, 4 FSV weight, badge: "Wellness Champion")
- health_weekly_sync: "Weekly Health Sync" — have active health data for 7 days (25 coins, 0 FSV weight, retention)
- health_insurance_review: "Health-Informed Insurance Review" — connect health data + have insurance policies (100 coins, 3 FSV weight, badge: "Smart Insurer")
- Add isQuestMet cases for each health quest
- Add HEALTH_QUESTS to ALL_QUEST_DEFS
- Add 'health' category to quest category definitions in index.tsx
- Add quest routes mapping for health quests -> insurance tab
- Files: contexts/FSVContext.tsx, app/(tabs)/index.tsx
- Acceptance: Health quests appear in missions, complete when conditions met
### T004: Add Health CTA Cards and Premium Insights
- Blocked By: [T001]
- Details:
- Add a "Health Data Advantage" CTA card to the insurance tab — prominent teal/green gradient card at the top of the insurance screen explaining benefits:
- "Up to 15% lower life insurance premiums"
- "Priority underwriting with faster approvals"
- "Personalised coverage recommendations"
- "Reward points for maintaining healthy habits"
- Add a "Premium Impact" mini-card showing estimated savings based on health connections (e.g., "Potential savings: $240-$480/year")
- Include CTA button linking to health section
- Files: app/(tabs)/insurance.tsx
- Acceptance: CTA cards display correctly with compelling copy
5 March 2026
Added scroll-reveal animations:
- Fade-in + slide-up as user scrolls to Financial Snapshot, Rewards, and Quests sections
- Animated.Value tracking scroll position
- Opacity and translateY transitions
- Budget & Savings quests added to FSV/Good Score system: 6 quests (income tracking, expense logging, bank connection via Basiq, savings goals, budget adherence) with coins, badges, and FSV weight
- Fixed empty states missing sidebarOffset for desktop layout
- Added ScrollView wrappers for scrollable content
Add scroll-reveal animations on Financial Snapshot, Rewards, and Quests sections
4 March 2026
Added Australian average placeholder data as defaults:
- Mortgage $600K @6.2%, Super $120K, Salary $95K
- Sample transactions, insurance policies, goals, assets
- Populates all tabs on first load
- SAMPLE badges on all cards using default data (cash flow, pillar cards)
- Condensed 10-year wealth projection card on home screen (below cash flow) with stacked bars for Property/Super/Savings
- Projection greyed out with SAMPLE DATA badge when using defaults, full-colour when user has own data
- Projection lines on Mortgage/Super/Savings pillars showing 10yr values
- isSampleData detection: transactions.some(t => t.id.startsWith('sample_'))
Add Australian average placeholder data as defaults so the app looks populated on first load
3 March 2026
Naming and layout updates:
- Renamed "Super" to "Superannuation" across all screens
- Renamed "Mortgage" tab to "Debts & Mortgage" (tab bar, dashboard pillars, overview cards, planning breakdown)
- Compressed Good Score card on home screen
- Enhanced empty/default states on Debt/Mortgages and Super tabs with benefit CTA cards showing specific $ savings (e.g., "$47K+ interest savings", "$1.2M+ at 67", "$2,600/yr in fees")
- Updated dashboard pillar CTAs and overview default CTAs with dollar-specific benefit propositions
Rename "Super" to "Superannuation" across all screens. Rename "Mortgage" tab to "Debts & Mortgage". Compress the Good Score card on home screen.
2 March 2026
Refined Good Score (FSV) display and tiers:
- Tier system: Bronze (0+, #CD7F32), Silver (20+, #C0C0C0), Good (40+, #0D9488), Gold (60+, #D4AF37), Great! (80+, #7B2D8E)
- Good Score explainer on home screen — explains what the score measures and how to improve
- Explainer made smaller (9pt), hides on scroll down, reappears on scroll up via Animated maxHeight/opacity
- Score card layout rebalanced for compactness
- Badge completion rate added to dashboard
Update financial score display. Update tier levels and labels. Add explanation for Good Score to home screen.
1 March 2026
Added target expense planning:
- Users can plan for upcoming purchases and holidays
- Set target date and amount for each expense
- Progress tracking toward saving goals
- Integration into financial projections — target expenses appear in wealth projection charts
- Income and expense projection chart on planning page
- Reordered budget tab — savings goals and upcoming expenses now above spending breakdown
Add ability to plan and track upcoming expenses on a target date. Add insurance coverage concepts to the financial projections page.
28 February 2026
Implemented responsive desktop/tablet layout:
- Desktop breakpoint at 768px (DESKTOP_BP constant)
- Sidebar navigation (220px width) for wider screens
- Adaptive UI components that respond to screen size
- Tab bar hidden on desktop, replaced by sidebar
- Content area adjusts with sidebarOffset
- Mobile-first approach maintained — desktop is progressive enhancement
Add responsive desktop/tablet layout with sidebar navigation
27 February 2026
Built content analytics and marketing platform:
- User interaction tracking across all screens
- CTA performance analytics (impressions, clicks, conversions)
- A/B testing for marketing content
- Campaign management system
- Optimisation engine for CTA placement and messaging
- Admin dashboard for viewing analytics data
Add content analytics, testing & optimization system. Build app marketing platform with campaign management and CTA optimization.
26 February 2026
Added health data integration with 5 platform connections:
- Apple Health, Oura, Whoop, Fitbit, Garmin
- Health metrics tracking (steps, sleep, heart rate, activity)
- Health Score calculation from combined metrics
- Insurance premium impact — better health score can reduce premiums
- Health-related quests and missions in rewards system
- Connect/disconnect per platform with explicit consent
- Insurance tab CTAs highlighting health data benefits
Integrate health data to enhance insurance offerings and user engagement
25 February 2026
Built Design Studies system (UIDesignContext):
- 5 distinct UI design variants (A–E) with different typography and layouts:
A: Classic/DM Sans
B: Modern/Plus Jakarta Sans
C: Fintech/Inter (set as default)
D: Editorial/Space Grotesk
E: Minimal/DM Sans Light
- Design switcher in settings
- Font loading for all 4 font families
- A/B testing capability — can assign users to different variants
- Tab bar icon style studies (standard, colourful, 3D glossy)
Introduce alternate designs and A/B testing capabilities. Add studies for different typography and layouts.
24 February 2026
Built in-app messaging system (AppMessagesContext):
- Contextual tooltips on key UI elements
- Marketing popups for engagement and product promotion
- FTUE (First Time User Experience) coach marks for onboarding
- Messages managed via database — admin can create/edit/schedule
- Trigger conditions (screen visit, action completion, time-based)
- Dismissal tracking per user
Add a system for managing in-app messages and user guidance
23 February 2026
Built Good Money Adviser Portal:
- Dedicated web portal at /adviser (port 5000)
- Adviser login with bcrypt password hashing
- Client management: view client list, individual client details
- Access to client financial data, fact find details, risk profiles
- CORS support for adviser token authentication
- Separate from admin panel (different login, different purpose)
Build a dedicated web portal for financial advisers to manage client information
22 February 2026
Built investor risk profile questionnaire:
- Multi-step questionnaire assessing risk tolerance
- Questions cover investment timeframe, risk appetite, loss tolerance, income stability
- Calculates risk profile score (Conservative, Moderate, Balanced, Growth, Aggressive)
- Generates personalised asset allocation suggestions based on profile
- Results integrated with planning tab projections
Add investor profile section with risk assessment questionnaire
21 February 2026
Rebranded and built admin infrastructure:
- Renamed to "Good Money" throughout the app
- Currency renamed from "points" to "Good Coins" with gold coin icon
- App logo added to key sections
- Admin panel at /admin (port 5000) with login (admin@goodmoney.com.au / admin123)
- Admin manages: gamification settings, customer data, sales CTAs, customer segmentation
- Background sync of user rewards data to server
- Updated app icons and splash screen
Update app name and currency to Good Money / Good Coins. Add app logo. Build admin panel for managing gamification and customer data.
20 February 2026
Built comprehensive Financial Fact Find system:
- Dedicated tab for financial fact-finding details
- Comprehensive personal details (name, DOB, address, employment)
- Employment and income details
- Assets and liabilities tracking
- Insurance coverage inventory
- Goals and objectives
- Gamified as quests — completing sections earns Good Coins
- Switch request generator for super rollovers
- Data used to pre-fill product application forms
Add personal and account details for user financial profiles. Build gamified financial fact-finding quests with coin rewards.
19 February 2026
Added insurance and planning tabs:
- Insurance: Policy tracking with renewal reminders, coverage details, premium history
- Planning: Net wealth projection charts, income/expense trends
- Financial charting with interactive visualisations
- Integration with existing financial data for projections
Add insurance and planning sections with financial tracking and charting capabilities
18 February 2026
Built comprehensive rewards and gamification system (RewardsContext):
- Points-based system with levels and streaks
- Daily spin wheel with randomised rewards
- Scratch cards for bonus coins
- Missions/quests system with progress tracking
- Collectible badges for achievements
- Rewards hub screen with all gamification elements
- Dashboard integration showing rewards progress
- Originally used "points" terminology, later renamed to "Good Coins"
Add gamification features including points, levels, daily rewards, missions, spin wheels, and scratch cards
17 February 2026
Added value proposition banners and financial opportunity insights across all screens:
- Dashboard shows key financial optimisation opportunities
- Each tab (mortgage, super, insurance, budget) has contextual savings insights
- Banners positioned at bottom of each screen
- Sales CTAs with customer segmentation for targeted messaging
Add financial optimization opportunities and value proposition insights to the dashboard and each tab
16 February 2026
Integrated Basiq Open Banking API for Australian bank account connections:
- Institution search and selection
- Secure consent flow via Basiq auth link redirect
- Live balance retrieval from connected accounts
- Transaction import with categorisation
- Connection management (connect/disconnect/refresh)
- Job status polling for async operations
Server endpoints: /api/basiq/* for institutions, auth-link, connections, accounts, transactions, jobs.
Add ability to connect bank accounts for live data import
15 February 2026
Set up Expo Router with React Native frontend and Express backend. Implemented core financial tracking screens:
- Dashboard with financial health overview
- Mortgage/debt tracking with Australian-specific calculations
- Superannuation tracking
- Budget & savings management
- Insurance management with policy tracking
- Planning tab with net wealth projections
UI: Professional banking aesthetic with teal (#0D9488) / navy (#0D3B66) palette, DM Sans font family.
Build a personal financial planning mobile app for Australians. Focus on mortgage, superannuation, insurance, and savings/budgeting. Professional banking aesthetic with teal/navy colors.