Day 49: Adding a Monetization Layer to my Serverless App 💸

If you are building a SaaS or Fintech application, eventually you need to figure out how to monetize it. Today, I added a Cross-Selling Recommendation Engine to my Serverless AI Financial Agent.

The Concept:
My backend already calculates a Financial Score (0-100) based on the user's spending habits. I created a new Python function that evaluates this score alongside their available cashflow to recommend specific financial products.

Python
def generate_financial_offers(score, income, expenses):
net_surplus = income - expenses
offers = []

# High Score + Cashflow = Credit Card Upsell
if score >= 70 and net_surplus > 500:
    offers.append({
        "type": "CREDIT_CARD",
        "title": "FinAI Premium Rewards",
        "description": "Pre-qualified for our 2% cashback card."
    })
# Low Score + Debt = Consolidation Loan
elif score < 50 and net_surplus < 0:
    offers.append({
        "type": "LOAN",
        "title": "Debt Consolidation Loan",
        "description": "Consolidate your debt today with a 5.9% APR loan."
    })

return offers

This logic runs inside AWS Lambda and attaches the offers directly to the JSON response consumed by React. Next up, I'll be building out the UI components to display these offers!