One clear view of your money, with your consent.
Personal Financial Management brings your consented accounts into one place. With your explicit Data Sharing consent, Bancify shows balances and transactions together, organises spending by category, and supports budgets, savings goals, and alerts you set. It is read-only, never moves money, and only ever uses the data you approve, for the purpose you approve. Designed for the UAE Open Finance Framework.
Shown in the zeno app
With permission,
one clear picture.
Financial information is spread across accounts and institutions, which makes total balances, spending, and cash flow hard to see. PFM brings it together. When the customer gives explicit Data Sharing consent, Bancify reads the approved balances and transactions and organises them into a clear picture: money in and money out, spending by category, budgets, and goals. It is read-only and never moves money, and it is informational, not financial, investment, credit, or tax advice.
Three ways it helps you see.
One consent, everyday jobs: bring accounts together, understand spending against a budget, and track goals with the alerts you choose.
See every account in one place.
Connect eligible accounts and see balances and activity together, with consent.
Bring approved accounts from different institutions into a single dashboard: balances, transactions, and a running picture of what is coming in and going out. The customer chooses which accounts to connect and for how long, and nothing is accessed without their explicit consent.
- All connected accounts and balances in one view
- Transaction history across accounts
- The customer chooses the accounts and consent duration
Understand spending, track a budget.
Transactions organised by category, with cash-flow and a budget you set.
PFM organises transactions into categories and shows money in against money out over time, so the customer can set a budget and see how they are tracking against it. Categories are assigned automatically and can be corrected by the customer, so they should not be treated as guaranteed accurate.
- Spending organised by category
- Money in and money out over time
- A budget the customer sets and monitors
Track goals, and the alerts you choose.
Follow savings goals and set your own alerts, from the same consented data.
Track progress toward savings goals and configure the alerts that matter to you, such as a low balance, a large transaction, or a budget limit. Alerts are based on the settings the customer chooses. It is informational and does not guarantee savings or any particular result.
- Savings-goal tracking
- Alerts the customer configures
- Built from consented data, informational only
From consent
to a clear view.
Connect an account
The customer chooses an eligible institution to connect.
Consent to share
Bancify explains the data, purpose, and duration; the customer selects accounts, gives Data Sharing consent, and authenticates with their bank.
See it organised
The institution provides the approved data; Bancify displays and organises it for the agreed purpose.
Manage or disconnect
The customer can view, manage, or withdraw consent and disconnect an account at any time.
PFM is informational only and is not financial, investment, credit, or tax advice; Bancify does not recommend a specific account or product. Data Sharing consent is separate from any payment consent. Automated categories can need correction, and PFM does not guarantee savings or a particular result.
One view,
controlled by the customer.
One clear view
Approved accounts, balances, and transactions brought together.
You choose what’s shared
The customer selects the accounts, data, purpose, and consent duration.
Spending, budgets & goals
Categorised spending, cash-flow, budgets, goals, and alerts in one place.
Read-only
PFM reads consented data to organise it. It never moves money.
Informational, not advice
A factual view and analytics tool, not investment, credit, or product advice.
Consent you control,
data that stays yours.
PFM is designed for the Central Bank of the UAE (CBUAE) Open Finance Framework as a Data Sharing service. Bancify reads only the data the customer has agreed to share, for the stated purpose, and the customer can withdraw consent at any time. Your bank authenticates you, Bancify never sees your PIN or password, and Open Finance data is stored in the UAE. Production availability is subject to CBUAE authorisation, certification, and participating-institution support.
Consent-driven
Explicit, purpose-specific Data Sharing consent, revocable at any time. Separate from any payment consent.
Read-only
PFM reads consented data to organise it. It never moves money.
Informational, not advice
A factual view; Bancify does not recommend a specific account or product.
Aligned with CBUAE Open Finance Regulation (Circular 03/2025) · Data Sharing · Subject to authorisation & certification
Built for anyone
who wants to see clearly.
Individuals
See connected accounts, spending, budgets, and goals in one consent-based view.
Financial apps & fintechs
Embed a consent-based account dashboard through an approved integration.
Businesses offering PFM
Give customers a factual money-management experience, within the approved model and permissions.
Ready to give your users a clear view?
Tell us what you want to show, whether that is connected accounts, spending and budgets, or goals and alerts, and we’ll show you the path to a consent-based PFM experience.