About Us

It all started when Guang, our founder, got his debit card details stolen.

A few years later, his wife who is a NHS nurse was also subject to financial fraud, but this time at a much larger scale, over £20k of her life savings. And the bank couldn’t even assure them that they would ever get it back. Although they did eventually get her money back, the experience was a little too traumatic for comfort.

Having experienced financial fraud twice, Guang would regularly monitor his bank transactions. But even as a Chartered Accountant with the help of spreadsheets, it was a lot of work. He faced some practical challenges:

• sorting receipts to the relevant bank cards,

• remembering what he bought,

• whether it was personal or for business?

• if for business, had he claimed the expenses? and

• what about those online transactions without paper receipts, e.g. via Paypal?…

It was getting tiresome. Staying on top of transactions shouldn’t be such a chore. He needed a better solution.

The solution: iSpent19

The iSpent19 App was born of a realisation that financial stress is actually not just about the risk of being defrauded, it can be any concern due to the sense of uncertainty whether you are on top of all the transactions incurred.

An ideal solution requires an ability to consolidate all transactions in one place, where the user can earmark them in accordance with their own money management habit. It is the freedom of transaction personalisation!

In 2018, to increase retail banking competition, the UK government legislated that banks make their customers’ financial data shareable, upon customers’ consent, with licensed service providers. Open Banking became the perfect opportunity to carry Guang’s App-building idea to reality. In August 2019, iSpent19 was born.

Thanks to his prior experience as Anti-Money-Laundering Reporting Officer and Data Protection Officer, Guang quickly secured the company’s position as a licensed third party service provider. The App is now live in both App Store and Google Play for download.

Regain headspace

“Compared to the 15th century, we now consume as much data in a single day as an average person from the 1400s would have absorbed in an entire lifetime.”

“The average person consumes three times as much information as we did in the 1960s”

These are words from Jim Kwik’s new book Limitless, a New York Times best seller, referring to the problem of Digital Deluge, i.e. information overload.

Faced with this problem, many of us feel like we’re constantly playing catch up on matters such as financial obligations in the midst of daily information overload and slowly losing control. That’s because when money gives you problems, stress quickly trickles into the rest of your life.

With the iSpent19 App, you can upgrade your money management experience so that it doesn’t have to be a chore. If you want a free tool to help manage your bank transactions, so that you can have a clearer Visibility & stronger Control of them, then you should try the iSpent19 App.

Just Personaliseand Share your transactions the way you want, it is a positive step to eliminate money related uncertainties, stress and gain back more mental freedom to focus on living.


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