Beyond PFM:

Proactive Money Management

Whether you’re looking to add value to your existing PFM solution or starting with a clean slate, a new generation of AI-powered solutions will deliver immediate benefits to your bank and your customers.

  • Present real-time insights that forecast customer balances, monitor transactions, and proactively highlight important events to increase customer engagement by 50%.
  • Provide relevant and timely personalized recommendations for savings, loans, and investment options that generate double digit response rates (e.g., 16% CTR on a recommendation to open a new investment account).
  • Create new targeted messages and offers based on individual spending patterns and cash-flow needs – in a matter of hours, not days or weeks.
  • Offer AI-based money management programs – such as automated savings – generating 10-20% sales and balance growth.
Next Generation PFM - Money20/20

RBC's stab at fixing what's broken in personal financial management

"Rather than looking at the rearview mirror, which is what pretty much all the PFM and money management tools do now, it's a look out through the front windshield to model ahead with your customers what their spend is going to look like and help them with savings."

Peter Tilton, SVP of Digital

American Banker

How UK challenger bank Tandem is personalizing its mobile app

The bank's mobile app will offer customers personalized insights and recommendations based on their spending habits... But the heart of it is about keeping customers engaged - a "lifetime benefit driver." The move is the latest among U.K. challenger banks to 'own' the PFM space, adding pressure on incumbents to innovate.




Easy to use and delivering real value, Proactive Money Management is scoring high with bank customers.

Extremely high engagement levels (80%+)

4+ star average user rating

Positive social media buzz

Kinda dig the NOMI insights in my RBC app. As someone constantly working on a budget, it’s a great tool for seeing just exactly where I can make some changes. Not often a bank does something I bother to pay attention to.


At the same time, these solution deliver measurable ROI for the bank, creating long-term profitable relationships.

Double-digit increase in product adoption

Capturing a greater share of wallet

Lifting loyalty

From Old-School PFM to AI-Powered Proactive Money Management

Old-School PFM AI-Powered Proactive Money Management
Query-based (pull)

Relies on the the user to pull the data they need.

Proactive Everyday Engagement (push)

Proactively engages the user daily, pushing relevant and timely information.

Asking the Customer to Enter Data

Expecting users to do work before they see the benefits, resulting in lower adoption rates

Automated Data Analysis

Proactively preempts information to the user, resulting in higher engagement and usage.


Provides information, expecting the user to figure out what it means and what to do about it.

Actionable and Automated

Offers actionable recommendations and automated money management that take away the guesswork.

Planning and Budgeting

Expects the user to engage in planning and budgeting, with no immediate sense of accomplishment.

Goals and Challenges

Helps users act on an immediate goal that is within their reach - like spending less on restaurants so they can save for a vacation - setting them up for success rather than failure.

Same for All Users

Doesn't match the nuances and particulars of individual needs and what's relevant to the user now.

Bite-sized and Personalized

With relevant and bite-sized inside and advice, individuals can take actions tailored to their own personal financial situation.

Time-lapsed Transaction and Balance Data

Paints a picture based on a time-lapsed snapshot that doesn't always include recent transactions.

Real-time Data and Forward-looking Balances

Real-time data provides an accurate picture of current and future cash flow and balances

Average-based Cashflow Forecast

Cashflow forecasts don't account for variability in income and spending and can lead to mistaken actions.

Pattern-based Cashflow Forecast

Reliable cashflow forecasts allow users to anticipate issues and opportunities and take early action.

Separate App

Requires the user to use a new app, placing a barrier to adoption and use.

Embedded in Digital Banking Experience

Enhances a familiar experience and increases engagement with the bank app.


Static presentation cannot adjust to individual needs.


Self-learning analytics continuously improve the data presented to users based on their interaction with the system to increase engagement, satisfaction, and response.



See BGL BNP Paribas' and Personetics' presentation at Money 20/20 Europe

Watch the Video

Proactive Money Management: AI Power Gives PFM A Second Life

Download the Brief
Case Study

RBC wins Model Bank Award for Personal Financial Experience

Download the Case Study

Fill out the form to learn how your bank can step up to the next generation PFM.