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If AI wrote your aggregation script, here’s what it would say

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A friend of mine was inspired by my aggregation discussions last week* to ask ChatGPT what they would do about it. The discussion was so good that I feel I have to share it so, here it goes:


I am researching Financial product and fintech product solutions that provide do good, positive financial wellness results in a proactive automated manner. I am trying to develop an independent marketplace approach where a person can source all of the normal types of bank related services such as a checking and savings account and a debit/credit card along the lines of and an automated investment account and my goal is to use our You're Richer Than You Think (YRTYT) operating platform that has a mission to help people get ahead financially and to live a richer life. So as part of the YRTYT marketplace approach I also want to source a positive do good personalized recommendation engine for responsible and sustainable travel, camping and deals on on housewares and other practical items etc.


Creating a marketplace for financial wellness and sustainable living, like what you envision with the "You're Richer Than You Think" (YRTYT) platform, involves integrating various services and products to provide a holistic, positive impact on users' financial and personal lives. Here's a structured approach to developing this marketplace:

Core Components of the YRTYT Marketplace

  1. Financial Products and Services:
    • Checking and Savings Accounts: Partner with banks or fintech companies that offer no-fee checking and high-yield savings accounts. Examples include Chime, Ally Bank, and Varo.
    • Debit and Credit Cards: Look into innovative card services like that offer no fees, real-time spending insights, and credit-building features.
    • Automated Investment Accounts: Consider robo-advisors like Betterment, Wealthfront, or Acorns that provide automated, personalized investment advice and portfolio management.
  2. Positive Financial Wellness Tools:
    • Budgeting and Expense Tracking: Integrate tools like YNAB (You Need A Budget), Mint, or PocketGuard to help users manage their finances effectively.
    • Debt Management Solutions: Offer services from companies like Tally or Upstart, which provide debt consolidation and personalized debt repayment plans.
    • Savings and Investment Goals: Use platforms like Qapital or Digit, which automate savings towards specific goals and micro-investing.
  3. Personalized Recommendation Engine:
    • Sustainable Travel and Camping: Collaborate with companies that focus on eco-friendly travel options, such as Responsible Travel or Hipcamp.
    • Deals on Practical Items: Partner with brands and platforms offering sustainable and practical products, such as EarthHero for eco-friendly housewares or REI for camping gear.
    • Local and Community-Based Recommendations: Develop algorithms that suggest local, community-focused activities and products, promoting sustainable and responsible living.

Developing the YRTYT Platform

  1. User Onboarding and Profiling:
    • Create an intuitive onboarding process to gather user preferences, financial goals, and lifestyle choices.
    • Use machine learning to personalize recommendations based on user data, ensuring relevance and engagement.
  2. Integration of Services:
    • Use APIs to integrate various financial products and services, ensuring seamless user experience.
    • Implement single sign-on (SSO) and secure authentication mechanisms to provide a unified access point for all services.
  3. Financial Education and Resources:
    • Offer educational content on financial wellness, investing, and sustainable living through articles, videos, and interactive tools.
    • Provide access to financial advisors or coaches for personalized advice and support.
  4. User Engagement and Gamification:
    • Incorporate gamification elements, such as rewards for achieving savings goals or completing financial education modules.
    • Use push notifications and email campaigns to keep users engaged and informed about new products and personalized recommendations.
  5. Community and Support:
    • Build a community forum or social platform where users can share experiences, tips, and advice.
    • Offer customer support through chatbots and live agents to assist users with any issues or questions.

Potential Partnerships and Collaborations

  • Financial Institutions: To offer core banking and investment products.
  • Fintech Companies: For innovative financial tools and automated solutions.
  • Sustainable Brands and Travel Companies: To provide eco-friendly recommendations.
  • Educational Platforms: For financial literacy and wellness resources.
  • Technology Providers: For AI, machine learning, and secure data handling.

Marketing and Outreach

  • Brand Positioning: Emphasize the mission of helping people get ahead financially and live richer, more sustainable lives.
  • Content Marketing: Use blogs, social media, and video content to spread awareness and educate users.
  • Influencer Partnerships: Collaborate with influencers in the financial and sustainable living spaces to reach a broader audience.
  • Referral Programs: Encourage users to invite friends and family by offering incentives.

Measuring Success

  • User Growth and Engagement: Track metrics like user sign-ups, active users, and engagement rates.
  • Financial Impact: Measure the improvement in users' financial health through savings, reduced debt, and investment growth.
  • Sustainability Impact: Monitor the adoption of sustainable practices and products among users.
  • User Satisfaction: Gather feedback through surveys and reviews to continuously improve the platform.

By integrating these components, your YRTYT marketplace can become a comprehensive platform that not only provides essential financial services but also promotes positive financial wellness and sustainable living.


Thanks, so let's imagine that Amazon Prime was to announce the YRTYT project ....or that Apple would announce it or another well known credible brand (please make possible suggestions) ....what would that look like


If a well-known, credible brand like Amazon Prime, Apple, or another major player were to announce the YRTYT project, it would likely take the form of a high-profile, strategic initiative integrated into their existing ecosystem, leveraging their extensive user base and technological capabilities. Here’s a detailed outline of how this could be presented:

Announcement by Amazon Prime

Press Release

Amazon Prime Introduces "You're Richer Than You Think" Initiative: Revolutionizing Financial Wellness and Sustainable Living

Seattle, WA – [Date] – Amazon Prime is excited to announce the launch of "You're Richer Than You Think" (YRTYT), a groundbreaking platform designed to empower users to achieve financial wellness and live richer, more sustainable lives. YRTYT integrates seamlessly with Amazon's existing services to provide a comprehensive suite of financial products, personalized recommendations, and sustainable lifestyle options.

Key Features of YRTYT:

  • Integrated Financial Services: Access checking and savings accounts, debit/credit cards, and automated investment accounts directly through Amazon Prime.
  • Personalized Financial Tools: Utilize advanced budgeting, expense tracking, and debt management tools powered by Amazon's AI technology.
  • Sustainable Lifestyle Recommendations: Receive personalized suggestions for eco-friendly travel, camping, and practical housewares, promoting responsible living.
  • Educational Resources: Enjoy a wealth of financial literacy and wellness content, including articles, videos, and interactive tools.

Jeff Bezos, Founder of Amazon, stated: "At Amazon, we believe in innovating for a better future. YRTYT is our commitment to helping our customers not only manage their finances but also live richer, more sustainable lives."

Key Components and Integration

  • Amazon Pay Integration: Use Amazon Pay for seamless transactions across all financial services.
  • Prime Benefits Expansion: Enhance your Prime membership with exclusive financial wellness tools and sustainable living recommendations.
  • Alexa Integration: Get financial advice, track spending, and receive personalized recommendations through Alexa.

Marketing Campaign

  • Prime Day Exclusive: Launch special YRTYT deals and offers on Prime Day, encouraging sign-ups and engagement.
  • Social Media Blitz: Leverage Amazon's vast social media presence to promote YRTYT, featuring testimonials and success stories.
  • Influencer Collaborations: Partner with financial experts and sustainability influencers to reach a broader audience.

Announcement by Apple

Keynote Event

Apple Keynote 2024: Introducing "You're Richer Than You Think"

Cupertino, CA – [Date] – Today, Apple is thrilled to unveil "You're Richer Than You Think" (YRTYT), a transformative platform designed to help users achieve financial independence and sustainable living. Integrated within the Apple ecosystem, YRTYT offers cutting-edge financial tools, personalized recommendations, and eco-friendly solutions.

Tim Cook, CEO of Apple, announced: "With YRTYT, we're bringing our commitment to innovation and user-centric design to financial wellness and sustainability. We're excited to help our users live richer, more fulfilling lives."

Key Features:

  • Apple Wallet Integration: Access checking and savings accounts, debit/credit cards, and investment portfolios directly from Apple Wallet.
  • Financial Health Dashboard: A comprehensive overview of your finances, accessible on your iPhone, iPad, and Mac.
  • Sustainable Lifestyle Recommendations: Personalized suggestions for eco-friendly travel and sustainable products, integrated with Apple Maps and Apple Store.

Integration with Apple Services

  • Apple Card Enhancements: Leverage the power of Apple Card for better financial management and rewards tailored to sustainable living.
  • Siri Integration: Use Siri to get financial insights, track your budget, and receive personalized recommendations.
  • App Store Collaboration: Access a curated selection of financial wellness and sustainability apps.

Marketing and Outreach

  • Worldwide Developer Conference (WWDC): Highlight YRTYT during WWDC, engaging developers to create innovative solutions within the platform.
  • Retail Store Promotions: Feature YRTYT prominently in Apple Stores, with demos and workshops on financial wellness.
  • Collaborations with Celebrities and Influencers: Partner with prominent figures in finance and sustainability to promote YRTYT.

Other Potential Brands


Google Announces "You're Richer Than You Think" on Google I/O

  • Integration with Google Pay and Google Assistant: Financial tools and sustainable recommendations integrated with Google’s suite of services.
  • Marketing via YouTube and Google Ads: Extensive advertising campaign leveraging Google's vast advertising network.


Microsoft Launches "You're Richer Than You Think" on Build Conference

  • Integration with Microsoft 365: Financial tools accessible through Microsoft Teams, Outlook, and more.
  • Azure-Powered Analytics: Advanced AI and machine learning capabilities for personalized financial recommendations.


Regardless of the brand, the announcement would focus on how YRTYT integrates with existing services to enhance user experience and promote financial wellness and sustainability. The marketing strategy would leverage the brand’s unique strengths and customer base, ensuring a wide-reaching and impactful launch.


* re aggregation, in case you missed the updates:

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The aggregator on steroids with AI

Yesterday I talked about the difficulty of managing multiple financial accounts, and that we needed one account to rule them all. The problem with this is that you then have concentration risk, as one account if hacked would mean you would lose it all in seconds. So, what to do? The answer is one aggregated…


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Chris M Skinner

Chris Skinner is best known as an independent commentator on the financial markets through his blog,, as author of the bestselling book Digital Bank, and Chair of the European networking forum the Financial Services Club. He has been voted one of the most influential people in banking by The Financial Brand (as well as one of the best blogs), a FinTech Titan (Next Bank), one of the Fintech Leaders you need to follow (City AM, Deluxe and Jax Finance), as well as one of the Top 40 most influential people in financial technology by the Wall Street Journal's Financial News. To learn more click here...

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