Clerkie

Debt management tools usually pick a side, but Clerkie covers two. Clerkie is an AI finance assistant that helps consumers get out of debt and build credit, and it also gives lenders a machine learning platform to automate their own side of the process.

On the lender side, Clerkie offers full-service automation, real-time reporting and compliance, and support for a diverse range of loan programs.

Developers connect it through a RESTful API, so Clerkie can sit inside an existing lending workflow instead of replacing it.

For consumers, the catch is data.

Clerkie may ask you to enter personal financial information, and the guidance you get depends on how accurate those details are.

If you are uneasy about handing that to a chatbot-style assistant, weigh it before signing up.

That works for you if debt and credit are the problems you actually have, and less so if you want a general budgeting app or an all-purpose office assistant.