Personal Finance Manager
The Personal Finance Manager is the personal, intuitive financial cockpit for relevant digital banking. Through intelligent data analytics, we help financial institutions leverage their transaction data to increase customer interactions and loyalty in the long run.
The Personal Finance Manager is the personal, intuitive financial cockpit for relevant digital banking. Through intelligent data analytics, we help financial institutions leverage their transaction data to increase customer interactions and loyalty in the long run.
Contact our expertsLong-term relationships thanks to personalised banking
Contovista’s Personal Finance Manager (PFM) is the digital financial assistant that can be easily and seamlessly integrated into any digital banking solution. Thanks to artificial intelligence, transaction data is analysed and enriched. The PFM then provides your customers with useful insights and tips to help them better manage their finances.
You can identify cross- and up-sell potential at an early stage. With the right product offering at the right time, you are able to meet the needs of customers in the best possible way. We enable personal, relevant and UX-optimised banking that makes life easier for your customers.
22 Catagories
Automated assignment of transactions such as income, grocery, rent, taxi, public transport, health. and many more
“Pretty Names”
Automated assignment of unique merchant and category logos, including “pretty names”
All Payment Methods
All common payment methods, such as QR invoice, eBill, Twint, credit cards and many more
Data-driven banking made easy
Understand and improve finances
Transactions on customer accounts are automatically assigned to the appropriate categories, displayed with the correct logos and are clearly understandable and easy to read thanks to pretty names.
Create customer profiles
Intelligent data enrichment can be used to create meaningful customer profiles, while real-time information allows you to offer tailored recommendations. This leads to increased loyalty and a larger number of interactions.
Innovation in digital banking
Our PFM sets the standard for the Swiss market. The product is continuously developed and optimised in a customer-centric manner, allowing users and banks alike to reap the benefits.
Understand
Greater transparency and a better understanding of the financial situation
Coach
Timely, personalised and relevant financial tips, directly in digital banking
Enable
Tools and insights support the achievement of financial goals
Automatically identify deductible transactions
The Personal Finance Manager automatically identifies and categorises transactions that are eligible for tax deductions. Automatic notifications inform users about new, tax-deductible transactions directly in Digital Banking. In addition, bank customers can flag transactions as tax deductible and upload corresponding receipts directly.
In this way, banks offer their customers real added value in digital banking. They strengthen their position at the customer interface and significantly improve engagement.
Cross-bank management of finances
Swiss Open Banking lays the foundation for multibanking. In the PFM, private customers can manage several bank accounts from different institutions in one central place, thereby increasing the relevance of digital banking. This further increases the usefulness of the financial cockpit and also helps to drive customer loyalty.
Since transactions with third-party banks can be evaluated, the informative value of our analytics insights is improved. With the financial cockpit, you are the interface to the customer and become the decisive financial point of contact.
Calculating the individual CO₂ footprint
The Carbon Footprint Manager calculates the individual CO₂ footprint based on transactions and sets the personal CO₂ consumption in relation to the Swiss average. The CO₂ consumption is automatically assigned to the correct categories, creating a clear overview of consumption behaviour and the resulting CO₂ emissions.
Sustainability that is made fun thanks to gamification and personalised tips.
The basis for this is a comprehensive, intelligent evaluation of financial transactions based on Swiss climate data. Gamification elements are used to suggest concrete recommendations for reducing the footprint, which customers can put into practice directly.
With the Carbon Footprint Manager, banks position themselves as pioneers in sustainability and as individual helpers in everyday life.
Pension Product Recommendations (Pillar 3a)
Through automated data analysis of account information, individually tailored product recommendations, e.g. for retirement planning, are incorporated directly into the Personal Finance Manager. Personalised storytelling in the context of the customer’s current financial situation allows qualified lead generation to be seamlessly integrated into the digital banking user journey.
The Personal Finance Manager can do even more
Contovista’s Personal Finance Manager offers a variety of additional features that help your customers to actively improve their everyday financial situation:
- Customisable dashboard and metrics such as “left-to-spend”
- Input and output statistics and analytics
- Semantic search with autosuggest and instant results
- New feature: Highlighting tax deductable transactions
- View all your subscriptions at a glance
- Optimised UX and dark mode for mobile applications
- Customisable saving spaces and flexible budget functions
- User surveys to optimise the digital banking offering
Not all your questions answered yet? Talk to us.
Do you have questions about our finance management and analytics solutions? Simply get in touch! We’ll be happy to advise you.
Contact us
Andreas Lenke
Manager Strategic Projects at Thurgauer Kantonalbank
« With the personal financial assistant, we offer our customers great added value right from the start of the new portal and can, among other things, fulfil their wish for a clear and attractive presentation of their private finances. »
Bodo Grauer
Head Digital Strategy & Transformation at Avaloq
« Contovista is one of the stars in the Swiss fintech scene and we are very happy to have a lot of customers in common – and very satisfied ones. Their solution is a showcase for the existence of fintechs: innovative, value-add for clients, and ease and speed of implementation. The team has a good spirit, positive and forward looking mindset and I really enjoy working with them – Its fun and you always learn a lot. »
Christoph Wille
Head of Sales Channels and Member of the Executive Board at Valiant Bank AG
« With the Multibanking Service we are responding to the high demand from our business customers for a comprehensive overview of their accounts with Valiant and other banks. In combination with the BFM, we are offering an exclusive service in Switzerland, enabling SMEs to easily manage their finances and liquidity across banks. This represents a clear differentiating factor and strengthens our position as a modern SME bank. »
Dominik Gabler
Data Scientist at SZKB
« The solutions in analytics and machine learning make it possible to analyze and address individual customer needs and use the insights gained profitably. Contovista is an ideal partner and source of inspiration for Schwyzer Kantonalbank and regularly provides inspiration on how we can exploit untapped business potential in the digital world. »
Dr. Simon Alioth
Managing Director , Synpulse8
« Financial service providers support their customers with advice and assistance in achieving their financial goals. As a strong partner for personal finance management, Contovista offers a suitable, API-based solution for financial service providers. Through Contovista’s presence on the Synpulse8 OpenWealth Marketplace, financial service providers have the opportunity to develop tailor-made solutions for their clients to optimally meet their needs. »
Dr. Simon Youssef
Co-founder Neon
« As a young Fintech we were looking for a dynamic product and besides the clean API interface the fast and unbureaucratic cooperation with Contovista convinced us from the beginning. »
Fabian Marti
Head of Digital Solutions at Aargauischen Kantonalbank
« Digitization covers all areas of a company and is becoming increasingly important in the financial sector. With Contovista’s financial assistants, we therefore offer our private and business customers modern extensions to the AKB portal. The services were immediately received positively by our customers and make digital banking even more personal »
Mike Hofmann
Senior Product Manager for bLink at SIX
« With their leading BFM & PFM solutions, Contovista is adding a key element to bLink’s mission of establishing OpenAPI-based multibanking for both corporate and private customers among Swiss financial institutions. We highly value the team’s pragmatic and pioneering approach and we are convinced that it is such technical cooperations that lead to the creation of a synergetic Open Finance ecosystem benefiting the Swiss financial industry. »
Niclas Persson
CEO & Co-Founder – Deedster
« Contovista is the undisputed PFM market leader of Switzerland and we are very proud to partner with them as they make sustainability a core capablity in their next generation solutions for the financial markets. »
Oliver Dlugosch
CEO of NDGIT
« Contovista is a great addition to our API marketplace and we are very proud to have them as partners. Because only by always offering the best, most up-to-date and smartest applications for banks, fintechs and insurance companies, we keep our position as #1 provider in the open banking platform sector. »
Roland Zwyssig
Viseca Payment Services SA, Senior Advisor
« The cooperation with Contovista can help established financial institutions to introduce innovative services and functions faster. Viseca strives to play a pioneering role in the digitisation of credit cards and, together with partners from the Fintech sector, to create added value for both partner banks and credit card customers. »
Silvio Böhler
Head of Technology bei True Wealth
« With Contovista, bank customers with investment potential can be identified in a more targeted approach, and then receive a simple and effective investment strategy from us, in a fully automated manner. Especially in view of challenges the industry is facing as a result of digitalization, efficiency is a key factor in future market cultivation. »
Stefanie Feigt
CEO at 3rd eyes analytics
« We are very pleased to be partnering with Contovista. Their innovative products, which are quick and easy to implement, ideally complement our individual wealth planning solutions. The combination of our offerings provides tremendous added value for our clients and we are excited to jointly offer future-oriented services for the financial service industry. »
