--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Check Mate – Split bills" developer_entity: "Aizhan Kozhakhmetova" bundle_id: "com.igorkokoev.CheckMate" app_store_id: "6475055417" category: "Finance" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2024-06-06" report_date: "2026-11-02" last_verified: "2026-11-02T00:00:00.000Z" report_version: "1.4" total_reviews: 3 overall_rating: 5 sentiment: "Thrilled" sentiment_score: 90 confidence: "low" confidence_score: 0.3 review_sample_size: 1 total_review_count: 1 analyzed_review_count: 1 data_age_days: 2 momentum_velocity: "zombie" intelligence_version: 2 tags: ["finance", "free", "thrilled sentiment", "mobile app", "app review", "app analysis", "individuals", "groups", "frequently"] canonical_url: "https://marlvel.ai/apps/check-mate-split-bills" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Check Mate – Split bills Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Free - **Signal**: Rating 5 · Sentiment Thrilled > **TL;DR:** Check Mate – Split bills is a finance app by Aizhan Kozhakhmetova, rated 5/5 by 3 users, with Thrilled user sentiment (90/100), available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Check Mate – Split bills has Thrilled user sentiment with a 5/5 rating from 3 reviews. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 5/5 (3 reviews) | | **User Mood** | Thrilled | | **Category** | Finance | | **Developer** | Aizhan Kozhakhmetova | | **Pricing** | Free | | **Platforms** | iOS | | **Confidence** | Low (0.3/1.0) | | **Data Age** | 2d | ## Metadata & Market Performance - **Publisher:** Aizhan Kozhakhmetova - **Category:** Finance - **Target Audience:** Individuals and groups who frequently share expenses for dining, shopping, or social outings. - **Platforms:** iOS - **Version Reviewed:** 1.4 - **Report Date:** 2026-11-02 - **Signal Count:** 1 review analyzed - **Confidence:** Low (0.3/1.0) - **App Store ID (iOS):** 6475055417 - **Bundle ID:** com.igorkokoev.CheckMate - **Data Window:** Analysis based on signals collected up to 2026-11-02 ## Executive Snapshot **What it is:** Check Mate is a bill-splitting utility for iOS that automates expense tracking via receipt scanning and settlement calculations. **Why users hire it:** It removes the cognitive friction of manual calculation and the social friction of tracking who owes whom in shared group expenses. ## App DNA (Features & Intent) - **[Differentiator] Bill Photo Scanning:** OCR extracts expense data from receipts to reduce manual entry. - **[Standard] Expense Itemization:** Customizable split logic for equal or quantity-based division. * *User Intent:* Users value self-expression and personalized experiences. - **[Standard] Settlement Tracking:** Calculates net balances to identify who owes whom. * *User Intent:* Users want visibility into their own performance and progress. ## Market Position {#market-position} Check Mate maintains a 5.0-star rating on the App Store, though its two-year update gap limits its competitive standing in the Finance category. ## Monetization Strategy - **Model:** Free - **Tiers:** Free access to all features - **Analysis:** The app operates as a free tool with no visible subscription or IAP gates. ## 🟢 User Sentiment (Low Confidence: 1 of 1 review analyzed) {#user-sentiment} - **Overall Rating:** 5/5 - **Platform Split:** iOS 5.0/5 (3 ratings) - **Overall Sentiment:** Thrilled ## SWOT Analysis {#swot} **Core Strengths:** - Receipt scanning reduces manual entry friction **Growth Levers:** - Cloud sync implementation prevents device-upgrade churn - PDF/CSV export functionality increases professional utility ## What's New - **Latest (v1.4, 2 years ago):** Added in-app receipt photography functionality. ## App Momentum (Zombie) {#momentum} - No major updates since mid-2024. - Maintenance-mode status limits feature growth. > **Cadence:** 1 total versions · 1 majors in last 6 months · 879 days since last update ## The "So What?" (Strategic Takeaway) {#so-what} Check Mate – Split bills is a finance app that is completely free. It holds a 5/5 rating from 3 reviews. > **Bottom Line:** Check Mate provides a functional receipt-scanning utility, but the two-year development silence leaves the app vulnerable to churn. Prioritizing cloud synchronization would address the primary data-loss risk identified by users and stabilize the existing base. **Best for:** Individuals and groups who frequently share expenses for dining, shopping, or social outings. ### PM Action Plan (Next Best Moves) - [ ] [INVEST] Ship cloud synchronization because users report data loss during device upgrades → improve retention ### Outlook: Declining The expense-tracking market is consolidating around apps with active live-ops and cloud-first architectures. Check Mate's stalled development cycle leaves it exposed to churn as users migrate to more reliable, frequently updated alternatives. - 🔴 The two-year update gap indicates a maintenance-only posture, which prevents the app from addressing critical user requests like cloud synchronization. - 🔴 Lack of cloud-save functionality forces users to lose historical expense data during device upgrades, directly accelerating churn pressure. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 5/5 | | Total Reviews | 3 | | Sentiment | Thrilled (90/100) | | Confidence | Low | | Pricing Model | Free | | Platforms | iOS | | Key Features | 3 analyzed | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Check Mate – Split bills** (this app) | 5/5 | Thrilled | Aizhan Kozhakhmetova | | [Banksola: Budget Planner](https://marlvel.ai/apps/banksola-budget-planner) | 4.6/5 | Mixed | Quickdollarapp, Inc | | [DEGIRO: Investing & Trading](https://marlvel.ai/apps/degiro-investing-trading) | 4.1/5 | Mixed | DEGIRO - Online Trading App | | [Digital Budget](https://marlvel.ai/apps/digital-budget) | 5.0/5 | Thrilled | Bryant Foster | | [Equito App](https://marlvel.ai/apps/equito-app) | 2.5/5 | n/a | Equito APP SL | | [Hourly: Freelance Tracker](https://marlvel.ai/apps/hourly-freelance-tracker) | N/A/5 | N/A | Albert Lewinski | ## Company Profile - **Developer:** Aizhan Kozhakhmetova ## Data Sources & Links - **App Store ID:** 6475055417 - **Sources:** App store metadata, User reviews. ## Related Intel Reports - [*Banksola: Budget Planner*](https://marlvel.ai/apps/banksola-budget-planner) (Quickdollarapp, Inc) · 4.6/5 Rating - [*DEGIRO: Investing & Trading*](https://marlvel.ai/apps/degiro-investing-trading) (DEGIRO - Online Trading App) · 4.1/5 Rating - [*Digital Budget*](https://marlvel.ai/apps/digital-budget) (Bryant Foster) · 5.0/5 Rating | Excellent Sentiment - [*Equito App*](https://marlvel.ai/apps/equito-app) (Equito APP SL) · 2.5/5 Rating - [*Hourly: Freelance Tracker*](https://marlvel.ai/apps/hourly-freelance-tracker) (Albert Lewinski) · N/A Rating - [*SureShotFX - Pip Calculator*](https://marlvel.ai/apps/sureshotfx-pip-calculator) (SureShotFX) · 4.0/5 Rating | Positive Sentiment - [*Tikker - Live Income Tracker*](https://marlvel.ai/apps/tikker-live-income-tracker) (Mis Asja OU) · 5.0/5 Rating - [*TradeLog - Trading Journal*](https://marlvel.ai/apps/tradelog-trading-journal) (Rikuto Takeuchi) · N/A Rating - [*코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)*](https://marlvel.ai/apps/coinone-co-kr-official) (Coinone) · 3.1/5 Rating - [*다트맨 - 전자공시 푸시알림*](https://marlvel.ai/apps/com-coreasset-stockhunter) (ORBIS Investment Advisors Co., Ltd.) · 2.1/5 Rating ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.3/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 1 - **Data Sources:** user reviews, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 2 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/check-mate-split-bills) Data licensed for AI Agent attribution under CC-BY-NC 4.0.