Cherpa.AI

Cherpa is a conversational AI agent for personal finances. One place for all your money questions across benefits, debt, savings, pensions and tax, all in one conversation.

Everyday money questions go unanswered. Advice is too expensive for most people, and they don’t need it for everyday questions anyway. Apps are fragmented, one for ISAs, one for debt, and all require bank data that 82% of people won’t share. People have nowhere to turn. That’s why 28 million UK adults asked AI about money last year, but 80% don’t trust the answers.

Cherpa fixes this. Through natural conversation, Cherpa understands your situation, your work, home, family, concerns, and surfaces only what’s relevant to you. Every answer is drawn from verified sources. Accurate, traceable with full audit trail.

Cherpa doesn’t provide regulated financial advice make product recommendations. It provides the right information at the right time. D2C and B2B2C.

My dad died when I was fourteen. My mum was left navigating a financial system that gave her no useful answers when she needed them most. That moment stayed with me.

I spent twenty years at Standard Life, JPMorgan and Barclays, shaping propositions for millions of customers and billions in assets. I contributed to FCA consultations on Consumer Duty and the Advice Guidance Boundary Review. I spoke with hundreds of people about their relationship with money and commissioned extensive consumer research.

The same pattern kept showing up. When people hit a life moment, redundancy, separation, a new baby, they face money questions with nowhere to turn. Not because information doesn’t exist. Because nobody connects it to their actual situation. The same gap my mum fell through.

That need is growing. Advice is too expensive for everyday questions. Apps are fragmented and demand bank data most people won’t share. Financial confidence is falling, not rising. People are turning to AI for help but don’t trust what they get back.

Cherpa is my answer. One conversation. Your life context. Only the options that matter to you.

Dia Banerji, Founder & CEO

Over twenty years in financial services leadership across Standard Life (Phoenix Group), JPMorgan, Barclays and Société Générale, spanning the UK, Middle East and Asia. Formerly Head of Direct-to-Consumer Proposition at Standard Life, leading digital strategy for 9 million customers and £200 billion in assets.

Non-Executive Director at the Crown Office and Procurator Fiscal Service. Independent Member of the Court at Abertay University. Member of Scotland’s Digital Trust Taskforce. Ambassador for Women Enterprise Scotland.

Founded Cherpa because the right information at the right moment changes everything.