AI Personal Finance Manager
The AI-powered financial cockpit for digital banking innovation, hyper-personalised insights, and integrated client analytics features.
The AI-powered financial cockpit for digital banking innovation, hyper-personalised insights, and integrated client analytics features.
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Financial assistant for hyper-personalised banking
Contovista’s AI Personal Finance Manager is the intuitive financial cockpit of tomorrow’s hyper-personalised digital banking. Using real-time data analytics and artificial intelligence, we support financial institutions in using transaction data effectively.
With Contovista’s Finance Manager, banks can strengthen their leading role in the market and become pioneers in utilising data to enhance business processes and deepen the digital customer relationship.
The integrated client analytics features combine all relevant tools in a single, efficient system, and thereby create the basis for successful client relationships.
Finance Manager for Digital Banking Users
Contovista’s AI Personal Finance Manager offers a variety of features that help your customers improve their financial situation through intelligent analytics combined with hyper-personalised data and real-time insights.
With data-driven insights into individual financial situations, you improve your customer relationships and boost customer satisfaction and engagement. Through the continuous development of innovative features, financial institutions are equipped for the banking of tomorrow.
Understand
Complex financial data visualised in a clear and transparent way.
Coach
Real-time, customised tips and recommendations for achieving financial goals.
Enable
Personalised insights help to manage finances in a more independent way.
Benefits for Your Customers
Automated categorisation
Transactions are automatically categorised and visualised with the corresponding logos and pretty names. This provides customers with a clear and structured overview.
Analytics
The intuitive user interface and automated categorisation make it easier for your customers to better understand their finances. Thanks to the clear presentation, users can gain deeper insights into their spending behaviour.
Hyper-personalised financial insights
Thanks to hyper-personalised insights, your customers’ financial lives are made even easier thanks to automatic notifications about refunded payments, expected subscription payments, or increased spending in a certain category.
Customer-centric innovation
The AI Finance Manager is constantly being enhanced and updated with new user-centric functions, e.g. users receive personalised tips on tax-relevant transactions, private pension provision (pillar 3a), and other features.
Cross-bank management of finances
Our multibanking solution can be easily integrated into any digital banking solution irrespective of the core banking system. Contovista is already fully multibanking-capable via platforms such as bLink.
Thanks to automatic account aggregation with multibanking, your customers benefit from an automatic balance reconciliation and a consolidated real-time overview of all their finances with just one login, all within a single digital banking environment.
Through the integration of value-added services, the customer experience and convenience for private customers is further optimised and a customer-centric banking ecosystem established. Customers also benefit from intelligent tax deductions that automatically flag deductible transactions as well as hyper-personalised insights across all accounts.
Calculate an individual’s CO₂ footprint
The Carbon Footprint Manager calculates an individual’s carbon footprint based on their transactions and compares personal CO₂ consumption to the Swiss average. It then automatically assigns this to the correct category, providing a clear overview of consumption behaviour and the resulting carbon emissions.
The foundation of this approach is a comprehensive, intelligent analysis of financial transactions, utilising Swiss climate data. By incorporating gamification elements, personalised recommendations are provided to help customers reduce their carbon footprint, making it easy for them to take immediate action.
Automatically identify deductible transactions
Thanks to automated notifications, users are informed about tax-deductible transactions directly in their digital banking. What’s more, transactions themselves can be marked as tax-deductible while relevant receipts can be uploaded.
In other words, users have all the transactions for their annual tax return right at their fingertips – resulting in a significantly simplified process with no deductions being overlooked.
Value-added services
A variety of value-added features that help your customers actively improve their financial situation on a daily basis include:
- A dashboard with hyper-personalised insights
- Income and expenditure statistics and analytics
- Display of all subscriptions at a glance
- Automatic marking of tax-deductible transactions
- Customisable savings goals in virtual sub-accounts and flexible budget features
State-of-the-art AI
Our algorithms provide precise customer analytics and enable banks to create personalised offers.
All-in-one solution
Simplify your processes with a single platform for personal finance management and AI-empowered customer analytics.
Seamless integration
Flexible architecture for fast, hassle-free integration into existing IT landscapes – regardless of the core banking system.
AI Financial Cockpit with Client Analytics
The Finance Manager with the integrated Contovista Enrichment Engine is the ideal solution for banks that want to utilise their transaction data for a variety of purposes.
From automating internal processes and enhancing risk modelling to developing innovative products, we help financial institutions drive efficiency, reduce costs, and unleash new business opportunities. The all-in-one solution is independent of the core banking system and enables financial institutions to leverage the full potential of their transaction data.
Not all your questions answered yet? Talk to us.
Do you have questions about our finance management and analytics solutions? Simply get in touch! We’ll be happy to advise you.
Contact us
Andreas Lenke
Manager Strategic Projects at Thurgauer Kantonalbank
« With the personal financial assistant, we offer our customers great added value right from the start of the new portal and can, among other things, fulfil their wish for a clear and attractive presentation of their private finances. »
Bodo Grauer
Head Digital Strategy & Transformation at Avaloq
« Contovista is one of the stars in the Swiss fintech scene and we are very happy to have a lot of customers in common – and very satisfied ones. Their solution is a showcase for the existence of fintechs: innovative, value-add for clients, and ease and speed of implementation. The team has a good spirit, positive and forward looking mindset and I really enjoy working with them – Its fun and you always learn a lot. »
Christoph Wille
Head of Sales Channels and Member of the Executive Board at Valiant Bank AG
« With the Multibanking Service we are responding to the high demand from our business customers for a comprehensive overview of their accounts with Valiant and other banks. In combination with the BFM, we are offering an exclusive service in Switzerland, enabling SMEs to easily manage their finances and liquidity across banks. This represents a clear differentiating factor and strengthens our position as a modern SME bank. »
Dominik Gabler
Data Scientist at SZKB
« The solutions in analytics and machine learning make it possible to analyze and address individual customer needs and use the insights gained profitably. Contovista is an ideal partner and source of inspiration for Schwyzer Kantonalbank and regularly provides inspiration on how we can exploit untapped business potential in the digital world. »
Dr. Simon Alioth
Managing Director , Synpulse8
« Financial service providers support their customers with advice and assistance in achieving their financial goals. As a strong partner for personal finance management, Contovista offers a suitable, API-based solution for financial service providers. Through Contovista’s presence on the Synpulse8 OpenWealth Marketplace, financial service providers have the opportunity to develop tailor-made solutions for their clients to optimally meet their needs. »
Dr. Simon Youssef
Co-founder Neon
« As a young Fintech we were looking for a dynamic product and besides the clean API interface the fast and unbureaucratic cooperation with Contovista convinced us from the beginning. »
Fabian Marti
Head of Digital Solutions at Aargauischen Kantonalbank
« Digitization covers all areas of a company and is becoming increasingly important in the financial sector. With Contovista’s financial assistants, we therefore offer our private and business customers modern extensions to the AKB portal. The services were immediately received positively by our customers and make digital banking even more personal »
Mike Hofmann
Senior Product Manager for bLink at SIX
« With their leading BFM & PFM solutions, Contovista is adding a key element to bLink’s mission of establishing OpenAPI-based multibanking for both corporate and private customers among Swiss financial institutions. We highly value the team’s pragmatic and pioneering approach and we are convinced that it is such technical cooperations that lead to the creation of a synergetic Open Finance ecosystem benefiting the Swiss financial industry. »
Niclas Persson
CEO & Co-Founder – Deedster
« Contovista is the undisputed PFM market leader of Switzerland and we are very proud to partner with them as they make sustainability a core capablity in their next generation solutions for the financial markets. »
Roland Zwyssig
Viseca Payment Services SA, Senior Advisor
« The cooperation with Contovista can help established financial institutions to introduce innovative services and functions faster. Viseca strives to play a pioneering role in the digitisation of credit cards and, together with partners from the Fintech sector, to create added value for both partner banks and credit card customers. »
Silvio Böhler
Head of Technology bei True Wealth
« With Contovista, bank customers with investment potential can be identified in a more targeted approach, and then receive a simple and effective investment strategy from us, in a fully automated manner. Especially in view of challenges the industry is facing as a result of digitalization, efficiency is a key factor in future market cultivation. »
Stefanie Feigt
CEO at 3rd eyes analytics
« We are very pleased to be partnering with Contovista. Their innovative products, which are quick and easy to implement, ideally complement our individual wealth planning solutions. The combination of our offerings provides tremendous added value for our clients and we are excited to jointly offer future-oriented services for the financial service industry. »
