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Personal Finance Management
Help your customers turn around their finances by providing them with a market leading Personal Finance Management solution.

Market leading app
Leverage our PFM platform for a proven, impactful and innovative user experience.
Have it your way
Get a branded white label or integrate our SDKs and APIs into your own app.
Save time & money
Launch your app and deploy new features rapidly and with minimal effort.
Personal Finance Management Features
We've built the simplest way for people to turn around their finances, and with the Frollo Personal Finance Management platform we're enabling you to do the same for your customers.
Real-time financial overview
Provide your customers with a full, real-time overview of their finances using Open Banking and our AI powered data enrichment engine.
- Transaction accounts, savings accounts, credit cards, mortgages, personal loans, superannuation and more
- Transactions are categorised and enriched with merchant name, logo and insights
- Automatic bill, salary and payday detection
- Real-time financial product information including rates, fees and benefits
Financial wellbeing tools
Provide your customers with the tools to improve their financial wellbeing and achieve their financial goals.
- Budgeting by spend category, with suggested budgets based on historical spend
- Set and personalise savings goals, link an account and automatically track progress
Smart insights
AI powered smart insights to help your customers better understand their financial position and take steps to improve. For example:
- People like you: Users can compare their finances to a benchmark of people like them
- Safe to spend: Forecast how much they can safely spend
- Monthly review: A monthly overview report of their income, expenses and savings
- Bonus interest: Help them make the most of their financial products by warning them if they're about to lose out on their savings bonus interest
- Next Best Product: Show them the impact of switching to other products
Useful notifications
Regular notifications help your customers stay on top of their finances and take action when they need to. For example:
- Irregular transactions: Notifies users of irregular transactions so they can check them
- Insufficient funds: Warns them there aren't enough funds in their account to cover upcoming bills
- Low balance: Lets them know when their account balance goes below a certain threshold
- Budget & goal progress: Informs them of how their budgets and goals are tracking
PFM Your Way
Whether you have an existing app, you’re building a new one or you’re looking for a white label solution, we’ve got you.
Leverage the Frollo Personal Finance Management platform to speed up your development, reduce cost and provide your customers with market leading PFM features – your way.

White label
Launch a market leading PFM solution in no-time. Select the features you want, apply your branding and you're good to go.

UI SDK
Integrate our Android and iOS SDKs into your app and pick the features you want to use. Customise our out of the box UI / UX or build your own.

API
Use our well-documented, powerful APIs to power the Personal Finance Management features in your app.
Case Studies
Australian (neo) banks, fintechs and lenders are using the Frollo PFM platform to power their apps and offer their customers innovative financial wellbeing features. You can find a few examples below.
Virgin Money Australia
Using Frollo PFM APIs to power their digital bank app.

Challenge
Virgin Money has launching a new digital bank in 2021 and was looking to differentiate by integrating innovative digital money management and financial wellbeing features in their app.
All of this within a compressed time frame.
Solution
- Out of the box PFM solution
- Fully customisable
- High availability and scalability SaaS platform
- Highly skilled development and support resources
- Rapid deployment

Speckle
Providing financial wellbeing tools to their customers using a Frollo white label app.

Challenge
Speckle is an Australian not-for-profit, providing small loans for life’s expenses. They were looking for a way to help their customers better understand their finances and pay down their debts.
Solution
The Frollo lending whitelabel app gives Speckles’ customers the full picture of their finances, by integrating with their loan management system as well as aggregating other accounts and loans their customers have.
The personalised ‘debt journey’ helps their customers on their way to pay down debt and turn around their finances.
- Lending white label
- Personalised debt journey
- Loan management integration
- Customer authentication
- Cost efficient

Frollo B2C app
The simplest way for people to turn around their finances.

Challenge
We’re on a quest to help people feel good about money. Help them reduce their debt, increase their savings and reduce their financial stress.
Solution
- Over 120,000 users
- $460 debt reduction in 6 months
- $1,100 savings increase in 3 months
- Real time data using Open Banking
- AI powered smart insights