Gen Z pays via UPI every day — but nobody has built an app that combines payments, splits, categorization, saving goals, and rewards in one place. Every existing app solves one piece. Bloom solves all of it.
How people track spending
Nobody has a real system — Bloom's auto-categorization directly addresses this gap.
Top spending categories
Features that would drive switching
Top 5 features all scored 52%+ — validating Bloom's core feature set.
What users wish their money app did better
7 apps audited across 9 dimensions — PhonePe, GPay, CRED, Paytm, Splitwise, POP, and Navi.
POP — Closest Direct Competitor
Founded 2023, Bengaluru. 1Cr+ users backed by IndiaQuotient. Endorsed by Samay Raina. POPcoins earned on every UPI transaction, but no spending tracking or bill splitting.
Nobody Does Both
GPay, PhonePe, POP, Navi all handle payments — zero splitting. Splitwise splits — no UPI. Bloom unifies both.
Zero Apps Categorize UPI Spend
52.9% want auto-categorization. Completely unmet by every existing app.
0 Out of 7 Apps Have It
64.7% want saving goals with a progress tracker. A pure, unaddressed gap.
Super-Apps Too Heavy for Gen Z
Gen Z wants something focused, fast, and actually beautiful.
Rewards Without Financial Awareness
Bloom combines rewards with real insights — earn on every transaction and actually understand where your money goes.
A fintech app for Gen Z that combines everything missing from every other app — in a design that actually has a personality.
UPI Payments
Fast, clean payments with every major bank supported.
Smart Bill Splits
One tap to split, zero awkward reminders.
Auto-Categorization
Every UPI txn automatically tagged and sorted.
Saving Goals + Progress
Set a goal, watch it grow. 64.7% of users wanted this.
Spending Insights
Weekly summaries so you're never surprised.
Rewards System
Earn on every transaction, understand where it went.
Design-First — Actually Has a Personality
82.4% of respondents want a lifestyle vibe. Design is the product.