Building Financial Clarity Through Data
We started Yzbando Dyn back in 2019 because too many businesses were flying blind with their budgets. The tools existed, sure—but most were either overcomplicated or designed for massive corporations. Small to mid-sized businesses needed something practical. Something that actually helped them see where their money was going.
That's what we built. And honestly? We're still refining it.
How We Got Here
From a two-person operation to a team that serves clients across Singapore. Here's the journey so far.
The Beginning
Founded in Singapore with a focus on budget pattern recognition. Our first client was a retail business struggling to understand seasonal cash flow. We built our first analysis model specifically for them.
Expansion Phase
Grew our client base to 15 businesses. Developed proprietary trend detection algorithms that could identify spending anomalies three months in advance. This became our core offering.
Platform Launch
Released our web-based budget analysis platform. Businesses could finally access real-time insights without needing a financial analyst on staff. We processed over $12M in budget data that first year.
Team Growth
Brought on specialized analysts with backgrounds in retail, hospitality, and service industries. This helped us understand sector-specific budget patterns much better.
Industry Recognition
Featured in Singapore Business Review for our practical approach to budget forecasting. Our client retention rate hit 87%, which told us we were solving real problems.
What's Next
We're working on machine learning integration to improve pattern recognition accuracy. The goal is to help businesses spot budget trends before they become problems. More on this soon.
What Drives Our Work
We're not big on corporate mission statements. These are just the principles we try to stick to when working with clients.
Transparency First
Budget data can be messy. We don't hide that. When our analysis shows something unclear, we say so. Clients deserve to know what they're looking at and what it actually means.
Practical Over Perfect
A budget forecast doesn't need to be 100% accurate to be useful. We focus on giving businesses actionable insights they can use this month, not theoretical models that might work someday.
Continuous Learning
Every client's budget tells a different story. We learn from each one. That restaurant in Chinatown taught us about inventory volatility. The logistics company showed us how fuel costs ripple through operations.
Accessible Expertise
Financial analysis shouldn't require a finance degree to understand. We explain our findings in plain language. If something's confusing, that's on us to clarify.
Meet the Founder
The person who started this whole thing and still analyzes budget data daily.
Jarmo Vänttinen
Founder & Chief AnalystI spent seven years as a financial controller before starting Yzbando Dyn. During that time, I noticed the same problem repeatedly: businesses had plenty of budget data but no practical way to understand what it meant. They'd look at last year's numbers, make some guesses, and hope for the best.
What frustrated me most was how budget software focused on tracking rather than analysis. You could see where you spent money, but not why the patterns shifted. Not what was coming next quarter. That's the gap we're trying to fill.
These days, I still review every major client analysis personally. It's the part of the job I enjoy most—finding the story in someone's budget numbers and helping them understand what they're seeing.
Where We're Headed
We're not trying to become the biggest budget analysis firm in Singapore. That's never been the goal. Instead, we're focused on getting better at what we already do—helping businesses understand their financial patterns.
Smarter Pattern Recognition
We're training machine learning models on anonymized budget data from our clients. The aim is to spot trends earlier and with more accuracy. Currently testing with a small group.
Industry-Specific Models
Different sectors have different budget patterns. Retail doesn't behave like hospitality. We're building specialized analysis frameworks for five major industries.
Better Client Education
Starting a resource library where businesses can learn about common budget patterns in their industry. Not generic advice—actual data from similar companies.
