[Edaily Reporter Kang Min-koo ] kakaopay(377300)has launched the beta version of “AI Coach,” a personalized Agent AI that analyzes users’ spending history based on MyData to help them develop healthy financial habits and achieve their financial goals.

“AI Coach” is a service that analyzes users’ MyData spending records to provide personalized financial coaching. It goes beyond one-time advice or spending analysis to support users in developing better financial habits on their own through ongoing motivation.

The service offers three core features: △ budget-based spending management and savings challenges, △ spending insights based on transaction history analysis, and △ guidance on government-supported benefits.

First, when a user sets a budget, ‘AI Coach’ monitors spending pace in real time and provides advance warnings—such as “You’re spending too fast right now”—if there’s a risk of exceeding the budget. Users can manage their spending by comparing their average spending pace with the pace recommended by the coach based on their budget. It also analyzes spending data from the past three months to recommend personalized savings challenges, providing category-specific savings missions and progress tracking to help users consistently work toward their goals.

It also provides spending insights based on transaction analysis. Rather than simply displaying payment history, it comprehensively compares and analyzes the user’s scattered transaction records to identify major spending categories and subscription services that require review, helping users easily identify their spending patterns and areas for improvement.

It also provides information on government benefits, such as subsidies and grants, that are useful in daily life. It checks whether there are any government grants available for the user to apply for right now based on their situation and alerts them to financial information or benefits they might otherwise overlook.

Users can select an “AI Coach” that matches their personality. By choosing their preferred coaching style from a variety of options—such as “Meticulous,” who manages spending with precision, or “Affectionate,” who warmly encourages users to achieve their goals—users can receive personalized financial coaching in a way that suits them best.

The “AI Coach” is designed as a system where multiple AI agents—each specialized in areas such as budget management, spending analysis, and information guidance—collaborate organically. kakaopay plans to continue expanding the range of sub-agents to address users’ diverse financial needs, thereby enhancing the AI Coach into a comprehensive AI financial agent covering all aspects of asset management.

A kakaopay spokesperson stated, “AI Coach is an Agent AI that works alongside users to help them develop better financial habits on their own,” adding, “We plan to continue enhancing the service so that AI Coach becomes an Agent AI that proactively suggests necessary financial information and personalized spending strategies before users even ask.”