New Delhi, April 28 -- In most modern homes, we only think about electricity or wi-fi when they stop working. They are essential, life-altering utilities that function quietly in the background, demanding zero cognitive effort. They enable productivity, comfort and continuity without needing constant intervention.

Why then does household financial management still involve a series of manual chores, complex apps and reactive decisions?

While e-commerce and media streaming use technology to anticipate what we want before we ask, financial services have lagged, leaving customers to navigate complexity with limited context. For most individuals, managing money still feels like an active responsibility rather than a seamless and intuitive ex...