Bankloch

The last few years we have been overwhelmed by PFM tools and account aggregators, giving us   insights in our financial situation , like our spending habits, sources of revenue or forecasts of our expected future cash flows. While those tools are definitely useful, they still require quite some effort of the user and even more self-control of the user to make real tangible improvements to his financial flows (like reducing certain budget posts or saving more money). The reason for this is that all those tools are   mainly reporting and analytics tools giving post-factum insights , but not helping you pro-actively manage your money. Personally, I consider this lack of pro-active tooling to manage your day-to-day cash, as one of the most important gaps in the financial sector today. The type of liquidity or cash management tooling that can really assist you pro-actively depends obviously on the stage of your live, e.g. As   a minor or student , you take your first steps in money manageme