Build 'BankTruth AI'—a $8K/year SaaS platform that audits retail banking contracts and provides real-time compliance alerts for Indian customers. The platform would: 1) Deploy OCR and Gemini 2.5 Pro to analyze bank statements/loan agreements (e.g., 'Your HDFC loan has ₹45K in hidden fees'); 2) Provide a 'Dark Pattern Dashboard' showing violations (e.g., 'ICICI Bank: 3 auto-debit traps detected'); 3) Integrate with RBI’s Complaints Management System (CMS) to auto-file grievances; 4) Offer a 'Savings Reclaim' module showing recoverable funds (e.g., 'You can reclaim ₹1.2L from Axis Bank').

Market Catalyst & News Trigger

"The RBI just published a list of the tricks your bank plays on you"

The Workflow Friction

Indian retail banking customers lose ₹1.2 trillion (~$14.4B) annually to mis-selling, hidden fees, and regulatory arbitrage by banks. The RBI’s new guidelines require banks to disclose 'dark patterns' (e.g., auto-debit traps, bundled insurance), but compliance is manual and opaque. Customers lack tools to audit their own statements, while banks exploit regulatory gaps (e.g., ₹200/month 'maintenance fees' buried in fine print). For example, a ₹500K home loan can hide ₹1.8L in 'processing fees' over 20 years, increasing effective interest rates by 0.7%.

Problem Summary

Real-world problem signal validation.

One-Shot MVP Builder Blueprint (48 Hours)

Create a mobile app that scans bank documents via camera/upload, then uses Gemini 2.5 Pro to highlight 'dark patterns' (e.g., 'This clause violates RBI Circular 2023-14'). Display a 'Compliance Score' for each bank (e.g., 'SBI: 88/100'), and a 'Reclaim Funds' button that auto-generates RBI complaint forms with supporting evidence.

Recommended Developer Tech Stack

• Flutter
• FastAPI
• PostgreSQL
• Gemini 2.5 Pro
• AWS Chennai Region