This document describes a personal financial management (PFM) solution called Strands PFM. It allows customers to manage their finances from any device by integrating with online banking platforms. Financial institutions can customize Strands PFM by selecting modules and setting parameters. Strands PFM provides features like budgeting, cash flow analysis, and savings goals to help customers make better financial decisions. It is an award-winning application used successfully by many large banks and financial institutions.

1. PERSONAL
FINANCIAL
MANAGEMENT
Helping people make better financial
decisions

2. Empower your customers to control
their finances from any device
Choose between a native, hybrid or
web responsive solution for mobile
deployment
Seamlessly integrate with your Online
Banking platform
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Assemble your own PFM solution by
selecting the modules you need
Give your customers control with
personalized PFM dashboards
Showcase PFM teasers ensuring
higher customer engagement
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Set the parameters of your PFM
solution that meet your business
requirements
Determine all the default parameters
beyond language, currency and
localization settings
Create a unique UX and differentiate
in your market
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STRANDS PFM
Award-winning application that engages account holders with their
financial institutions through digital banking channels
MULTI-DEVICE MODULAR CUSTOMIZABLE

3. HIGHLIGHTED FEATURES
Peer Comparison
Income and Spending Analysis
Cash-Flow Analysis
Budgeting
Saving Goals
Financial Calendar
Net-Worth
Safe to Spend

4. ABOUT STRANDS
WHAT OUR CUSTOMERS SAY ABOUT US
WWW.STRANDS.COM
- ARMIN BRUN, HEAD OF MARKETING, POSTFINANCE
Strands is a global provider of personalization and recommendation solutions for digital banking and retail
markets, serving customers worldwide, including Barclays, BBVA, BNP Paribas, Bank of Montreal, Carrefour,
Panasonic, and Skymall. Strands serves its customers via two business units:
In 2008 Strands revolutionized online banking by deploying the first PFM in Europe and since then our
solution has been implemented by a growing number of leading financial institutions worldwide.
E-cockpit (powered by Strands), in addition to the many electronic services of
PostFinance, is another piece of the puzzle that simplifies financial life.
STRANDS FINANCE
Develops innovative fintech, empowering
financial institutions to offer superior
customer experience within their digital
channels.
STRANDS RETAIL
Drives the businesses of over 100 online
retailers with industry-leading
recommendation and customer segmentation
solutions.
- DAN DICKINSON, HEAD OF ONLINE & MOBILE BANKING, BANK OF MONTREAL (BMO)
BMO MoneyLogic (powered by Strands) provides our customers with immediate
insights into their spending and savings habits and helps them take better control of
their household finances.