What Is Personal Finance & PFM SDK?
This is a set of personal finance building blocks — account aggregation, goal tracking, and smart spending nudges — designed to be embedded into an existing mobile or web app as an SDK rather than shipped as a standalone product. Account access runs through the Account Aggregator framework, meaning users grant consent-based data sharing without ever handing over raw banking credentials — the RBI-endorsed approach, and a materially more secure one. Spending nudges are generated from the aggregated transaction data itself: unusual spending in a category, or progress toward a savings goal, surfaced automatically instead of buried in a statement.
What's Inside Personal Finance & PFM SDK
Account Aggregation via AA Framework
Consent-based data sharing without users ever handing over raw banking credentials.
Goal Tracking
Lets users set and track savings or spending goals against real aggregated account data.
Smart Spending Nudges
Automated alerts on unusual spending patterns or goal progress, generated from transaction data.
Drop-In SDK Integration
Ships as a component for your existing app — no standalone app required.
Account Aggregator SDK vs. Credential-Based Screen Scraping
Common Questions About Personal Finance & PFM SDK.
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