Personal Financial Management

Empower consumers to aggregate their financial accounts in one place.


Give users a consolidated view of their finances

Personal financial management (PFM) offers users the ability to view and manage their money in a consolidated manner. Fintechs that want to provide this service need to access financial account data from a variety of financial institutions and present the collated account details to the user.

Unlike traditional personal finance aggregators, Akoya does not use screen scraping for personal financial management data.

With Akoya, individuals can securely share their data with fintech apps using their financial institution’s existing online portal.

The fintech apps can then use the data to provide services related to tracking spending patterns, budgeting and saving, debt reduction, and more.

Note: Personal financial management does not relate to taxes or money movement.


“After one seamless integration onto Akoya, we are now able to authorize direct connections with data aggregators and fintechs that will use the Akoya Data Access Network. The data recipients that the customer authorizes to connect to their U.S. Bank account through Akoya will receive authorized and permissioned access to U.S. Bank customer data, all while giving consumers the confidence that their data is safe and secure.”


Gareth Gaston EVP & Chief Digital Officer, Enterprise Platforms & Capabilities, U.S. Bank

“PNC takes very seriously our responsibility to protect the financial and account information that our customers entrust to us. Many customers assume it is safe to provide their sensitive information to the financial app of their choice. However, we know this information has been used for unauthorized access to customer accounts. That is why we have been taking interim steps to provide accessibility and security.…  [We] are providing a permanent solution for striking the right balance between customer choice and data protection.”

Bill Demchak Chairman, President, and CEO, PNC

“Consumers' personal financial data should only be accessed with their explicit consent and they should have the ability to monitor and revoke that access. For this reason, we created Akoya and are now joining with several financial institutions to accelerate the availability of a secure, transparent and more reliable network for the entire financial services industry.”

Abigail P. Johnson Chairman and CEO, Fidelity Investments

“Akoya provides another option for third parties to safely connect to Chase. Most importantly, our over 60 million digitally active customers will have full control and visibility into the data they choose to share with apps and companies. This brings us closer to a future where customers know with certainty what information they’re sharing and with whom.”

Paul LaRusso Managing Director of Digital Platforms, JPMorgan Chase
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