Where is 'Penny'?

Why Use Penny?

Penny is here to make your financial management simpler, smarter, and more engaging. Whether you need help understanding your spending, saving for a goal, navigating the app, or just want some financial motivation, Penny's got you covered. This guide will show you how to interact with Penny to get the most out of her capabilities.

Getting Started with Penny

1. Accessing Penny

• Penny can be accessed from the chat icon within the Yeeld app.
• Upon opening, you’ll be greeted with a “New Chat” page. If you’ve already interacted with Penny, you’ll see a “Resume Previous Chat” button to pick up where you left off.

2. Exploring Popular Topics

• Penny offers a range of popular topics to kickstart your conversation:
  • Play a Game 🎲: Challenge yourself with fun financial games like "Spender" or "Quizzy".
  • Where’s All My Money Going? 💸: Get insights into your spending patterns.
  • Help Me Save? 📊: Find ways to save money tailored to your habits.
  • Roast Me 🔥: A playful, light-hearted mode where Penny humorously critiques your spending.
  • Hype Me 😇: Need motivation? Penny will celebrate your financial wins.
  • Help on Using the App? 🕵️: Ask Penny about any app features or functions.

3. Asking Questions and Getting Insights

• Simply type your questions or requests in the text box at the bottom of the chat. You can ask things like:
  • "How much have I spent in McDonald's this year?"
  • "Help me save £1000 for my holiday in 12 months!"
  • "I want help cutting back on my takeaway spend."

4. Viewing Financial Insights and Visual Aids

• Penny can provide dynamic visual aids, including line charts, bar charts, and pie charts, to give you a clear picture of your spending patterns, savings, and more.
• Examples of visual insights you can ask Penny for:
  • "Show me a pie chart of my monthly spending categories."
  • "Give me a line chart of my coffee spending over the last 3 months."

5. Engaging with Penny’s Fun Features

• Games: Play games like "Spender" to test your spending habits or "Quizzy" to gauge your financial knowledge.
• Daily Facts and Weekly Summaries: Receive personalised facts about your spending and summaries to help you track your financial habits.
• Roast Mode and Hype Mode: Switch to "Roast Mode" for a humorous critique of your spending, or "Hype Mode" for some positive reinforcement and motivation.

6. Using the Action Shortcuts

• Penny provides shortcuts to various app features, such as:
  • Send Money: Instantly access the money transfer feature.
  • View My Details: Quickly check your account details.
  • Add Bank Account: Easily link another bank account.
  • View Spending Analysis: Get a detailed overview of your spending habits.

7. Navigating Financial Advice

• Penny can help you understand your spending habits and suggest potential savings, but remember that all insights are data-driven and do not constitute personalised financial advice.
• For more complex financial issues, Penny can seamlessly hand over to a human support agent.

What Makes Penny Unique?

• Personalised Experience: Penny uses your financial data to provide tailored insights and suggestions.
• Educational Content: Learn through “Yeeld Stories” and interactive elements to better manage your finances.
• Open Banking Integration: Penny can help you view and manage multiple bank accounts from one place.
• Real-Time Support: From quick tips to detailed breakdowns, Penny is always there to assist you.

Get the Most Out of Penny!

• Use Penny regularly to keep track of your spending, stay motivated with savings goals, and have fun while managing your finances. Explore all the topics and tools Penny offers to make your financial journey smoother and more enjoyable.