Yaniv, is there any way to get more direct value from using the app? e.g., recommend a card or account that has better rate or higher cash back depending on usage, etc. Even though that might trivial compared to what you want to do, it provides a more obvious reason for someone to install the app. I know a bunch of sites and apps do this but the vast majority of people don't use them.
At surface, offering to nudge people and tell them they're irresponsible when they know that 90% of what's being suggested is either wrong or obvious (no offense intended; it's just the nature of the beast) isn't a great value proposition. Maybe it provides some value in the long-term but not enough to get me to load another app, connect my personal accounts to some little company. All risk and no return for the prospective alpha user.
Give me the real promise of short-term value and I'll install.