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Personal Finance Management (PFM)

Help customers master money: account aggregation, smart categorisation, budgets & cash‑flow, goals, insights & nudges, bill reminders, savings rules, investment tracking, and credit score — integrated with your channels.

StickierHigher DAU & retention
Smarter MoneyReal‑time insights & nudges
Cross‑sellContextual offers that convert

Account Aggregation

Connect bank, card, e‑wallet, and investment accounts (open banking where available).

Smart Categorisation

AI/regex categories, merchant normalisation, and editable rules.

Budgets & Cash‑flow

Monthly budgets, envelope style, projections, and burn‑rate alerts.

Goals & Savings Rules

Goal tracker with auto‑save rules (round‑up, percentage, schedule).

Bills & Subscriptions

Bill calendar, due alerts, duplicate/unused subscription detection.

Insights & Nudges

Spending insights, anomalies, duplicate charges, churn risk signals.

Investment Tracking

Holdings, P&L, asset allocation, and benchmark comparisons.

Credit Score & Health

Score factors, simulators, and personalised improvement tips.

Shared/Family Mode

Shared budgets, allowances, and parental oversight options.

Data Export & Privacy

CSV/PDF export, consent & preferences, and data deletion requests.

Security

Biometrics, device binding, encryption, and fraud checks.

Integrations

CBS/channels, card switch, payment gateway/QR, and BI.

Technology & Integration

Core Banking & Channels Open Banking/Account Aggregators Card Switch & Gateway Push Notifications Data Warehouse/BI API‑First & SSO

What You Get

Branding (logo/colors) Custom menus & reports Trial access until go‑live Annual maintenance incl. change requests On‑prem or cloud
Ready to customize
Delight customers and grow deposits with a helpful PFM.
Share the feature set and partners (open banking, scoring) — we’ll prepare a working prototype in your brand.
Request Free Customization