Next-gen Personal Finance Management
PFM that actually works
70% sustained engagement. Not 5-15%. Move beyond transaction history to financial guidance that drives action.
Trusted by leading financial institutions
Traditional PFM is broken
Banks invest in Personal Finance Management and see engagement rates of just 5–15%. Instead of driving value, these tools often generate support tickets due to poor data quality and fragmented experiences.
Even engaged customers are left reviewing historical transactions without context, seeing what happened but not understanding what it means for their financial health. They're expected to create that meaning themselves. Most don't.
The core problem
Historical focus
Shows what happened, not what to do
Generic metrics
Doesn't surface what matters to each customer
Insights without action
No clear path from understanding to doing
Poor quality data
Wrong focus and low accuracy erode trust and generate support tickets
Collaborative Finance
Guidance that meets customers where they are
The numbers speak for themselves
When you show customers opportunities instead of history, everything changes.
70%
Sustained engagement
Month-over-month retention that lasts
20x
Engagement increase
When showing opportunities vs. history
5-15%
Industry average
What traditional PFM delivers
A fundamentally different approach
Because we build the experiences that use the data, we know exactly where quality matters, and why. This focus on the right quality, combined with deep financial understanding, is what sets our data apart.
Aspirations & Goals
Customers set goals and make progress on them, with guidance that adapts to their situation.
Learn more ›Opportunities & Risks
Surface what matters before it becomes a problem. Proactive insights that drive action.
Learn more ›Advisor Handover
When it's time to act, hand over to advisors with context, budget data, and everything needed.
Learn more ›Day-to-day Finance
Customers know where they stand, what's coming, and what they can do. Worry-free finances.
Learn more ›Subscription Management
A clear view of all recurring costs with the ability to cancel, pause, and manage them directly.
Learn more ›Deep Data Analysis
Every insight is backed by data. When we show customers something, we can explain exactly why it matters.
Learn more ›The metrics that matter
Understanding the financial fundamentals that truly describe a customer's real financial health.
Disposable Income
What's actually left after commitments
Savings Capacity
Ability to build reserves over time
Spending Patterns
Where money goes and why
Financial Health
The complete picture that matters
Deploy your way
Whether you need to move fast or integrate deeply, we have you covered.
Standalone solutions
Ready-to-deploy PFM experiences that get you live quickly. Full functionality out of the box with minimal integration effort.
- Quick time-to-market
- White-label ready
- Managed updates
API integration
Full API access for tight integration into your mobile banking app. Build PFM directly into your existing UX.
- RESTful APIs
- Embed in existing UX
- Full control
A partner, not a box
You don't need another off-the-shelf product that sits alongside your existing systems without talking to them. You need a partner who understands your ecosystem and can work within it.
We implement in parallel with your existing solutions, no need to rip and replace. Our platform is designed to complement what you already have, filling the gaps without disrupting what works.
This collaborative approach means we work with your teams, your technology partners, and your roadmap. We adapt to you, not the other way around.
Run in parallel
Deploy alongside your existing PFM or banking tools. No migration required, no downtime, no risk to what's already working.
Ecosystem-aware
We integrate with your core banking, your IT providers, and your third-party vendors. Built to fit your stack, not replace it.
Collaborative by design
Joint roadmaps, shared learnings, and a team that works as an extension of yours. Not a vendor you chase for updates.
Built to adapt and expand
Our unique flexibility in the data layer allows us to modify the solution for each customer and each use case. This isn't a one-size-fits-all platform.
Already have a PFM solution? We don't need to replace it. We can build on top of what you've already done, enhancing your existing investment with our data layer and engagement capabilities. We've successfully integrated with existing solutions at several banks.
We don't build tools for customers to figure out on their own. We build experiences that meet them where they are, and help them take care of and improve their financial health.
"The engagement numbers speak for themselves. We went from single-digit PFM usage to having it become one of the most-used features in our app."
— Nordic retail bank
Works with existing solutions
No need to start over. We enhance and expand what you've already built.
Configurable experiences
Adapt the solution to your brand, your customers, and your strategic priorities.
Continuous improvement
Learn from engagement data and refine experiences over time.
Beyond mobile banking
Our data foundation doesn't stop at powering great mobile banking experiences. It's already used across the bank to streamline operations and improve customer outcomes.
- Digital onboarding
- Automated credit processes
- Ongoing financial health checks
- CRM insights & signals
- Proactive outreach & support
One foundation
Every channel
Everything starts with financial clarity. Our PFM solution shares the same foundation and data layer as our credit assessment, subscription management, and merchant enrichment, so you can extend across your entire bank without starting over.
Same data. Same integration. No duplication.
Related solutions
Explore how Subaio addresses other business challenges.
Ready to transform customer engagement?
See how Collaborative Finance can deliver 70% sustained engagement and turn your PFM from a cost center into a value driver.