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He built the front end, it came out clean and quick to use, and it was ready on the date he gave. A really good developer.

Every M-Pesa payment already arrives as a text, so the record of your spending exists. Letting a budgeting app read it normally means uploading your whole financial history to a company you know nothing about.
Taught the app to read eleven kinds of M-Pesa message, covering Paybill, Buy Goods, Fuliza, M-Shwari and agent cash, so spending is logged without anyone typing it in.
Tested that reading 113 different ways, because Safaricom words the same payment differently and one missed wording quietly loses a real transaction.
Kept everything on the phone. No account, no login, and no copy of your messages sitting on a server.
Made the money advice optional, and stripped names and notes out before anything is sent off for it.
Nothing leaves the phone
Spending tracked from the texts already on the phone, with nothing stored anywhere else.

He built the front end, it came out clean and quick to use, and it was ready on the date he gave. A really good developer.
Tell us what you run and how customers pay today. You get a flexible price and a launch date after one call.