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                           عمومی:: 
                            مدیرت مالی شخصی
                        
                        Financing   Asset  Payments   Other      Management    FinTechs                                                 Credit and     Alternative    Crowdfunding    Social Trading  Payment  Insurance   Factoring                Methods                                                 Donation-based       Blockchain and  Search Engines      Robo-Advice    and Comparison  Crowdfunding      Cryptocurrencies             Sites                                                   Personal     Technology, IT  Reward-based    Financial             Other FinTechs  and  Crowdfunding    Management               Infrastructure        (PFM)                                    Crowdinvesting    Investment and     Other FinTechs      Banking
The personal financial management (PFM) subsegment includes FinTech compa-nies that offer private financial planning, in particular the administration and presen-tation of financial data using software or app-based services.
PFMs enable clients to visualize the assets they have deposited with different financial institutions as well as loans borrowed from different lenders in one application.
In order to integrate the accounts of different providers into a PFM system, PFMs interface with the portals of financial institutions, which are frequently open-access, using application programming inter-face (API) technology (Glushko et al. 1999; Dapp 2015; Nienaber 2016).
In many PFM systems, however, manual entry of the account data is also required.
 
                        
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