Why fintech apps are hiding the true cost of money - and how I’m using AI to expose it

As a fintech consultant, I’ve spent months building an engine to parse the real market data behind "zero-fee" claims

We all know the drill: hidden FX spreads, weekend markups, and complex T&Cs that make manual comparison impossible. I’m currently using an AI-based discovery engine to crawl the market in real-time, pulling raw data to see who is actually cheapest

I'm looking for feedback from the community:
1. When do you feel most "cheated" by your current neo-bank?
2. Would a real-time "true cost" radar change how you choose your banking apps?

Would love to hear your experiences or even "war stories" about losing money on hidden fees. You can see the tool here: Payn.online