Habib Saine
& Sumika Thapa
Building Paycycle — student fintech that makes budgeting automatic.
Business Analytics & Information Systems seniors. Both joining RSM after graduation. Building the financial app we wish we'd had as freshmen.
Habib Saine
Sumika Thapa
Two seniors,
one product.
We're turning a shared frustration with student finances into something real — and taking it with us into our careers at RSM.
Habib Saine
Technology Risk Consulting · RSM Minneapolis
From Gambia to Iowa City, Habib brings a global perspective to every system he builds. A Business Analytics & Information Systems major graduating December 2026, he's spent the past few years learning to bridge business strategy with technical execution — from SQL databases and Python pipelines to AI-assisted development workflows and audit-ready system architecture. At Paycycle, he leads backend development and system design.
Sumika Thapa
Microsoft D365 Finance & Supply Chain · RSM Chicago
Sumika is a Dean's List double-major in Business Analytics & Information Systems and Ethics & Public Policy, graduating May 2027. She brings sharp analytical thinking, a background in marketing strategy, and a client-first mindset to everything she touches. At RSM Chicago, she'll implement Microsoft D365 Finance & Supply Chain systems. At Paycycle, she drives user research, product strategy, and business intelligence.
What we bring.
A complementary skill set covering the full stack of product development — from backend architecture to business intelligence.
Habib
Technology Risk & Backend Architecture
Sumika
ERP Systems & Business Intelligence
Paycycle
Student fintech that makes budgeting automatic. Built for BAIS:3300 — and for every student who's ever overspent right after payday.
College students face a fundamental mismatch: income arrives unpredictably — work-study paychecks, side gigs, internship stipends — but fixed expenses like rent and meal plans don't wait. Traditional budgeting apps assume steady income, leaving students to manually track and protect money earmarked for bills.
The result? Overspending in the days after payday, then scrambling when rent is due.
Paycycle automatically detects when money hits your account, allocates it to your predefined budget categories — rent, groceries, savings — and locks those funds from your "available to spend" balance. It's not about tracking where your money went. It's about making sure it goes where it needs to, before you have a chance to spend it.
This isn't just a class project. It's a product we wish we'd had as freshmen.
Plaid Integration
Instant income detection across bank accounts. The moment money hits your account, Paycycle knows about it.
Automatic Budget Protection
Funds allocated the moment they arrive. Your rent money is never in your "available to spend" balance.
Contextual Insights
Smart notifications surfaced based on your actual spending patterns, not generic advice.
Student-First Design
Built for irregular income from work-study, side gigs, and stipends — not 9-to-5 paychecks.
Let's connect.
Recruiters, collaborators, and fellow builders — we'd love to hear from you.
Habib Saine
Technology Risk Consulting
RSM Minneapolis · Starting June 2026
Sumika Thapa
Microsoft D365 Finance & Supply Chain
RSM Chicago · Starting Summer 2026
Download Resumes
Habib's resume is available now. Sumika's coming soon.