Broc

Broc is an Irish financial technology brand offering an AI-powered platform to help people understand, optimise, and grow their money. Its personal financial team pairs Clara, an AI analyst, with Clive, an AI strategist and negotiator. Through read-only Open Banking connections or uploaded statements, Clara organises account activity, tracks income and spending, explains financial patterns, and helps users monitor receipts, VAT, and cash flow.

Clive uses this analysis to identify potential savings, compare providers and product prices, model financial goals, and help manage recurring bills and subscriptions. Users can explore options themselves, collaborate with the AI agents, or review recommendations and approve or decline proposed actions; the service states that nothing happens without their approval. Broc also includes tools for category budgets, spending limits, savings forecasts, and goal tracking.

Planned and developing features include provider tenders and specialist support for tax relief, wealth planning, mortgages, and protection. The company is based in Ireland and describes its platform as using regulated, read-only Open Banking APIs and bank-grade encryption