Personal Finance Manager

Personal Finance Manager


Streamline Your Financial Operations

Empower your customers with a sophisticated tool designed to enhance their personal finance management. Simplify transaction categorisation, tailor financial goals, and automate alerts for unparalleled operational efficiency and customer service.

Personal Finance Management System

Personal Finance Management is a system that empowers customers to effortlessly manage and analyse their personal finances. PFM is invaluable in banks and financial institutions, enhancing internal analyses and user experience.

Personal Finance Manager

Key features


Segment Your Clients & Assess Risks Efficiently

Master the Art of Data Processing

PFM builds customer representation based on multiple data, like static features (demographic data, geolocation, devices), owned products, cash flow, and spending categories distribution. The system uses this information in real-time for recommendations, predictions, credit scoring, and fraud detection.


Empower Clients with Intelligent Budgeting

Set Financial Goalds for Better Money Management

The system enables setting goals referring to specific categories, subcategories, or merchants, which shows customers if they are spending their money according to their plan. This helps them decide to change their financial behaviour or set different goals.


Adapt Automatically to Client Financial Behaviour

Implement Limits, Alerts & Notifications

Our system can analyse transaction history and detect unusual behaviour. For example, if a user suddenly spends much more money than usual, PFM can automatically send a notification about this event. This helps the user track their expenses and avoid unexpected situations.

Personal Finance Manager

Areas of application

Banking Sector

Built-in Classification Engine uses a custom, multi-level category tree that will best suit the Bank and its customers' needs. PFM helps bank customers better manage their personal finances, improving financial awareness and helping them plan future expenses.

Financial Institutions

PFM helps to build customer representation based on data like static characteristics, products owned, cash flow, and distribution of expense categories. Financial institutions can use these insights for recommendations, predictive services, creditworthiness assessment or fraud detection.

Film & Media Production

The PFM system can help you plan budgets for film projects. It allows you to track expenses and allocate funds for various aspects of production, such as equipment, crew salaries, and site ligistics.

Personal Finance Manager

Game-Changing Benefits
for Your Company

Accurate Classification

Achieve 95% accuracy in transaction categorisation

Efficiency of Processing

Process 150 transactions per second per core

High Scalability

Support real-time transaction categorisation

Reduced Costs and Risks

Streamline and automate internal processes

Personal Finance Manager

Product onboarding

What will we need to implement this solution?


The cost of the solution depends on many factors, such as the number of customers, number of transactions, level of personalisation, and scope of integration. There are different pricing options, which may change over time depending on the customer's needs and conditions.


The product implementation time depends on many factors, such as level of complexity, scope of integration, data availability, and customer involvement.

Client Engagement

For the successful implementation, we need client-provided transaction data and system access, fostering a partnership to define their specific requirements.


Our PFM seamlessly integrates using REST API for real-time transaction classification and supports batch processing for historical data. Flexible custom integration options, including queue systems and direct database access, are also available.

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Additional information



4,633,997.51 PLN


Contribution from European funds

3,485,668.54 PLN


Project implementation period

2020 – 2022

The development of the WARRP platform was co-financed by the European Union from the European Regional Development Fund within the Intelligent Development Program 2014 – 2020.

The project was realised as part of a competition by the National Centre for Research and Development: "Industrial research and development work carried out by enterprises," action: "Industrial research and development work conducted by enterprises."

logotypes of: WEBSENSA, NCBiR, European Funds, Rzeczpospolita Polska, Euopean Union