If Cake concludes that substantial financial optimizations are possible, I would like the app to offer me (with an explicit opt-in) to work with financial partners to assist me.

The partners could offer tips to improve their spending; possibly even a quote for a better contract.

I would like Cake to monitor my services (for example energy, water, telco). If my spending is considerable higher, compared to a group of similar people using Cake, offer me a simple flow to easily switch to a cheaper service.