Startup Idea : Money Manager

A mechanism that allows its users to securely, easily and promptly send, receive and finance payments online.Do you often have idle cash in your bank account or hand and you are confused about the best way to spend it? Can you think about an app as intelligent as you that can help in finding the right ways to spend your money? It either scans your account details or provides the most appropriate solutions to spend the amount of money that you have entered. Although allowing an app to view your bank account details is a privacy concern but it can be proficiently achieved with strong encryption practices.