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FinTech Pulse

If It’s So Good, Why Hide It? Invisible PFM - A New Take on Money Management

Banking has gone undercover and it’s been a long time coming. We want our banks to do a lot for us, but it transpires that the less you can actually see your bank doing for you, the better.

So, it begs the question: why would banks suddenly decide to assume the Good Samaritan role after all this time? Sheer benevolence or is there something in it for them too?


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Topics: Personal Financial Management (PFM), PFM, digital banking, personalized finance

Author: Aoife Crean - Content Manager on Jun 29, 2017

Dear Banker, We Need to Talk About UX

Design has changed (and even transformed) a lot of industries: music, technology, electronics, fashion. And not surprisingly,  the financial industry is not immune to their impact.

The reality is that more agile and digital-only banks like N26, Moven and Simple, are fundamentally changing the relationship people have with banks.  Digital only-banks have reshaped what used to be a simple transactional relationship and if big banks want to follow suit, user experience is where they need to excel. Given rapidly evolving needs and consumer behavior, banks should start creating humanized digital experiences today's consumers expect.

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Topics: Digital Transformation, user experience, digital banking, design for finance, personalized finance

Author: Vaida Pakulyte on May 23, 2017

Invisible PFM Will Transform Banking As You Know It

Personal Financial Management (PFM) has evolved greatly since its birth in the early eighties. Originally developed to bring money management into what was then a widespread technological shift to the nascent personal computer age, PFM has since become a sophisticated means of managing your money.

But in its current “visible” guise, PFM is not nearly as innovative as it can be, and it is the “invisible” idea of PFM that is set to overhaul banking as we know it.

In this article, we look at why the unseen PFM is inevitable and why it will be the driving force in transforming banking. Additionally, we look at how banks will evolve to intuitively anticipate their customers’ financial needs as well as scrutinize the major threat that all banks face if they fail to adapt.

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Topics: Personal Financial Management (PFM), FinTech, personalized banking, PFM, invisible PFM, personalized finance

Author: Victoria Yasinetskaya, Marketing Director on Feb 17, 2017

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