Meet Gab: Your AI Financial Ally

Gab is MyBayad's AI-powered assistant designed to help you understand and manage your debts. Think of Gab as a knowledgeable friend who knows about Philippine financial products and debt management strategies.

What Can Gab Do?

Answer Questions

Ask Gab anything about your debts in plain language:

  • "Which debt should I pay first?"
  • "How much interest am I paying on my BDO card?"
  • "Can I be debt-free in 12 months?"
  • "What's the avalanche method?"

Provide Personalized Advice

Gab analyzes your specific situation to give relevant recommendations:

  • Which debt to prioritize based on interest rates
  • How much you need to pay monthly to meet goals
  • When you could be debt-free at current pace
  • Potential interest savings from different strategies

Emotional Support

Gab adapts its tone based on your current mode:

  • Calm Mode - Encouraging, celebratory
  • Control Mode - Clear, informative
  • Crisis Mode - Compassionate, supportive, non-judgmental

How to Use Gab

Quick Access

There are several ways to talk to Gab:

  1. Chat button - The floating chat icon on any screen
  2. Dashboard card - Click "Ask Gab" on the insight card
  3. Debt detail - Ask about a specific debt from its page

Example Conversations

You: "I have ₱50,000 and want to pay down debt. What should I do?"

Gab: "Great decision to use that ₱50,000! Looking at your debts: Your BDO card has 3.5%/month interest while your GCash loan is 2%/month. I'd recommend putting ₱35,000 toward BDO to eliminate it, then ₱15,000 to GCash. This saves you ₱2,100 in interest over the next 6 months compared to splitting evenly."

Privacy & AI

We take your privacy seriously. Here's how Gab works:

What Gab Sees

  • Debt amounts and balances
  • Interest rates and due dates
  • Payment history (amounts, not methods)
  • Your current mode setting

What Gab NEVER Sees

  • Your real name or email
  • Bank account numbers
  • Credit card numbers
  • Your physical address
  • Any personally identifiable information (PII)
Privacy Guarantee: We strip all PII before sending any data to the AI. Your personal information never leaves our servers.

Gab's Limitations

While Gab is helpful, keep these limitations in mind:

  • Gab provides general guidance, not professional financial advice
  • Gab cannot access external systems or make payments for you
  • Gab's suggestions are based only on data you've entered
  • For complex situations, consult a licensed financial advisor

Feedback

After each conversation, you can rate Gab's response with a thumbs up or down. This helps us improve the AI for everyone.