Personal Finance Management (PFM)
Step-by-Step Budget Guidance
Our patent-pending budget wizard walks users step-by-step through the process of
creating a budget based on their last three months of spending. This results in a
budget that is realistic, increasing the user's ability to follow and adhere to a budget.
Complete Financial Picture
OurCashFlow PFM software provides a complete picture of your customers' finances by
enabling them to view all of their accounts from one location. A financial dashboard
provides users with an overview of their net worth, income & expenses and savings goals,
and guides them to begin saving 10% of their income.
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Ability to Track Savings Goals
OurCashFlow PFM lets your customers track their savings goals, and factors those goals
into the overall budget, making it easier for your customers to create a realistic savings
plan.
The "Can I Buy It?" feature lets the user specify what they want to buy, and how much it costs.
OurCashFlow PFM checks against the budget and current spending to tell the user whether they
can make the purchase.
Mobile Tools
A bank-branded iPhone™ application gives users access to their account and budget
information at the point where they need it most... when they are about to spend.
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Consolidated Account View connects customers to accounts at all of their online
financial institutions, enabling them to view and track each account conveniently from your
trusted portal.
Patent-Pending Auto-Categorization Engine automatically gathers financial data daily and
categorizes them with 95% accuracy and no user effort. When users want to re-categorize
transactions, the drag-and-drop feature makes it simple to do.
User Friendly Interface means your customers don't need any accounting knowledge to use
the tool. Based on rich internet application (RIA) technology, features like drag-and-drop
and dynamic charting make working with the tool fun and easy.
Savings Goals helps customers plan and save for big ticket items like vacations and home
repairs and calculates how much money they need and how much to save each month.
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Budget Wizard guides users through a bottoms-up budget creation within minutes,
based on either their own actual spending over the last three months, or national
averages from people within the same demographics. OurCashFlow PFM automatically
tracks spending for each category, helping customers stick to their budget.
Mobile Interface enables users to access the PFM tool at the time they need it most -
when they are about to spend. Our "Can I Buy it?" feature lets users tell us what they
want to buy and how much it will cost and instantly provides them with the information
they need to make the right decision.
Spending Alerts notify customers when they get close to budgeted limits in any given
category so they know ahead of time that they are hitting their limit for a particular category.
Alerts can be sent to customers by e-mail or to their cell phone.
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Provides a wealth management incubator that turns ordinary customers into profitable
ones.
Gives you a competitive edge by making your site more "sticky." We like to say that it
tethers your customers to your Web site.
Attracts new customers by adding "eye candy" to your Web offerings through an easily
integrated solution that reflects your bank's existing look and feel.
Retains existing customers as you become closer to them through greater knowledge of
their financial situations and expanded relationships.
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Enhances cross-selling by generating internal and external referrals.
Puts you at the forefront of the next wave of innovation by integrating PFM into your
online banking solution.
Increases customer satisfaction as customers experience PFM features and
benefits provided seamlessly through your bank's portal.
Returns payback on your investment in a short time frame.
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OurCashFlow offers several options for implementing our solution on your bank's web site.
All solutions are branded to match your bank's web site, and will be
fully integrated with the rest of the site.
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Product Overview
Features
Benefits
Implementation Options
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