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Many young adults struggle to manage their finances due to consumerism and impulsive spending habits, often lacking the tools or motivation to budget effectively. Traditional finance apps are either too complex or boring, making them inconvenient for everyday use. With the introduction of open banking in Switzerland in 2025, Liquid leverages automated bank synchronization to simplify financial management, providing real-time insights and gamification to engage users. Liquid was co-founded by Brian Livingstone, a fiduciary and business student, and Yanic Besson, a skilled software developer. The market potential is significant, with Switzerland’s 5 million active TWINT users representing a strong opportunity. The Open Banking sector could see annual growth of around 27.7% in Switzerland.