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Nudge — Smart Savings for Sound Credit Union

Nudge is a mobile banking feature for Sound Credit Union that surfaces personalized deals, tracks your savings, and delivers AI-powered financial advice — all inside the app you already use.

Built at HuskyHack 2025.


The Problem

Credit union members leave money on the table every day. Cashback offers go unnoticed, local deals expire unclaimed, and loyalty points pile up unredeemed. Banks have the transaction data to fix this — but most don't act on it.

The Solution

Nudge turns your spending history into savings. It lives inside the Sound Credit Union mobile app as a dedicated tab and does three things:

1. Personalized Deals Marketplace

Members see a curated feed of offers matched to their spending habits — local coffee shops, grocery cashback, travel rewards, loan promotions, and limited-time bonuses. Deals are filterable by category and sorted by relevance. Tap any deal to see full details and a QR code for instant redemption.

2. Location-Aware Nudges

When a member is near a partner merchant, Nudge sends a real-time in-app notification ("You're 0.4 mi from Stumptown Coffee — get 25% off now"). No separate app. No opt-in friction.

3. Savings Breakdown & AI Insights

A dedicated savings dashboard shows:

  • Total saved this month with month-over-month trend
  • Savings over time chart (5-month history)
  • Category breakdown — Food, Travel, Loans, Shopping
  • Nudge Advice — personalized tips generated by GPT-4o-mini based on the member's actual savings profile
  • Savings projection — forecasted savings if current habits continue

Demo

The app runs as a mobile phone mockup in the browser. Sign in with any credentials to explore:

npm install
npm run dev

Open http://localhost:3000 — the UI renders inside an iPhone frame.


Tech Stack

Layer Technology
Frontend React 18, TypeScript, Vite
Styling Tailwind CSS, shadcn/ui, Radix UI
Charts Custom SVG + Recharts
Animations Motion
Backend Node.js, Express
AI OpenAI GPT-4o-mini
Deployment GitHub Pages, Docker + Nginx

Running with Docker

docker-compose up -d

Available at http://localhost:8080.


Backend (AI Insights)

The Express server powers the AI savings analysis endpoint:

OPENAI_API_KEY=your_key node src/server/index.js

GET /api/savings/analysis returns { totalSaved, changePercent, timeline, insight } — the insight is generated by GPT-4o-mini from the member's savings profile.


Team

Built by the HuskyHack team for the Sound Credit Union fintech challenge.

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