You want a financial plan you can see and act on yourself. Strands builds AI for banks, not plans for individuals. Here is the difference.
Strands is a B2B AI company. Their products power transaction categorisation, cash flow prediction, and personalised recommendations inside banking apps. They do not produce a personal financial plan. The plan, if it exists, is generated by your bank using Strands' technology, and it typically stops at "here is what you spent, here is a suggested product".
Delphina plans for the individual. You see the plan, you adjust the inputs, you watch the projection move. There is no bank or middleware in the middle. The plan covers budgeting, savings rate, retirement projection, FIRE number, and the monthly action that closes the gap.
If your bank uses Strands' technology, your banking app may already offer decent transaction categorisation, spending insights, and cash flow forecasts. That is the Strands layer doing its job. For some users, the in-app categorisation is enough to manage their spending without a separate tool.
The limitation is that the bank's categorisation engine does not know your full financial picture. It sees your current account and your credit card with that bank. It does not see your other bank accounts, your pension, your ISA, or your property. A categorisation engine in a single banking app is a partial view.
Delphina plans the whole picture. You add your UK bank, pension and ISA balances, and the platform models the planning, gives you a date for retirement, and shows you the monthly action that closes the gap. You do not have to rely on what your bank has chosen to surface.
Delphina also updates the plan as your life changes. A pay rise, a bonus paid into a SIPP, a redundancy payout, a sabbatical: the projection shifts in real time. A bank's in-app categorisation engine shows you what you spent. Delphina turns that into forward planning.
Pull your State Pension forecast from gov.uk and your latest pension statement. Connect both to Delphina this week. Within 15 minutes you will have a specific number for your retirement gap, and one action to take before the end of the month.