Ching 清數

Summary

Ching is a Hong Kong-developed auto expense tracker that reads payment notifications (Octopus, Google Pay, Samsung Pay, bank apps) and creates transaction records for one-tap confirmation. Deep integration with local payment ecosystem, privacy-first design, all data processed on-device.

What is Ching?

Ching is an AI-powered expense tracking app built for Hong Kong users. It reads payment notification text from Octopus, Google Pay, Samsung Pay, HSBC, BOC, Hang Seng, Standard Chartered, Mox, AlipayHK, WeChat Pay, and more—automatically capturing transactions into a confirmation queue. Users tap once to log; no manual entry of amounts or merchant names. Supports manual quick entry, multi-currency, recurring income/expenses, stock cost tracking. Pro unlocks AI merchant recognition, unlimited spending insights, cloud backup, unlimited budget categories. All notification processing happens on-device; financial data never used for model training or sold to third parties.

Core Capabilities

• Auto notification capture: Reads Octopus, Google Pay, Samsung Pay, HSBC, BOC, Hang Seng, SCB, Mox, AlipayHK, WeChat Pay notifications; auto-creates records for one-tap confirm
• AI merchant classification: Free tier uses rule-based recognition; Pro AI recognizes even obscure merchants
• AI spending insights: Ask Ching AI questions; get personalized analysis from real transaction history (free: 3/month; Pro: unlimited)
• Budget alerts: Set budgets per category, get notified before overspending (free: 3 categories; Pro: unlimited)
• Cloud backup (Pro): Safe record storage when switching devices
• Manual quick entry: Minimal UI, log a transaction in seconds; supports cash, split bills, any payment type
• Multi-currency support: Foreign currency transactions saved correctly, no longer recorded as HK$0

Pros

• Zero-friction logging: Payment notifications auto-captured, one tap to confirm—no manual amount or merchant entry
• Deep local payment integration: Supports Octopus, Google Pay, Samsung Pay, and multiple Hong Kong bank app notifications
• Privacy-first: All notification processing on-device, no bank password access, financial data never trained on or sold
• Free tier forever: Unlimited manual entries, auto-capture, basic stats, 3 budget categories, no ads
• AI spending analysis: Instant answers to spending questions from real records; Pro offers unlimited conversations

Positioning & best fit

Ching is designed for Hong Kong users who want zero-friction expense tracking, heavy use of local e-payment, and strong privacy protection. Ideal for:

• E-payment power users: Daily reliance on Octopus, Google Pay, Samsung Pay, bank apps; want auto-logging without manual input
• Privacy-conscious individuals: Unwilling to share bank login credentials or authorize third-party account access; only accept on-device notification text processing
• Budget management needs: Require per-category budget limits and overspending alerts to control expenses
• AI analysis seekers (Pro users): Want AI-driven conversations to understand spending patterns and receive personalized insights