GenApp - Aplicativo para gerenciamento financeiro pessoal

Abstract

High household indebtedness and low financial literacy pose significant challenges to eco nomic stability and social well-being in Brazil. This work presents the development of GenApp, a cross-platform mobile personal financial management application that integrates gamification concepts to promote user engagement and financial education. The system employs consolidated indicators, such as the Personal Savings Rate (TPS), Debt-to-Income Ratio (RDR), and Immediate Liquidity Index (ILI), to diagnose the user’s profile and distri bute personalized challenges based on these criteria. The application was developed using the Flutter framework for the frontend and Python with Django REST Framework for the backend, adopting a scalable and secure architecture. The expected results suggest that the gamified approach, combined with clear financial metrics, offers a promising strategy to encourage healthy habits, such as regular saving and debt control, potentially contributing to the reduction of default rates and the strengthening of users’ financial autonomy