[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"nav-categories":3,"article-how-personal-finance-uses-open-banking":70},{"data":4},[5,37,57,64],{"name":6,"slug":7,"categories":8},"Productivity","productivity",[9,13,17,21,25,29,33],{"id":10,"title":11,"slug":12},17,"Branding","branding",{"id":14,"title":15,"slug":16},19,"Marketing","marketing",{"id":18,"title":19,"slug":20},20,"Work","work",{"id":22,"title":23,"slug":24},34,"Community","community",{"id":26,"title":27,"slug":28},21,"For newbies","for-newbies",{"id":30,"title":31,"slug":32},24,"Investment","investment",{"id":34,"title":35,"slug":36},22,"Finance","finance",{"name":38,"slug":39,"categories":40},"Tech","tech",[41,45,49,53],{"id":42,"title":43,"slug":44},28,"Technology","technology",{"id":46,"title":47,"slug":48},32,"Artificial Intelligence","artificial-intelligence",{"id":50,"title":51,"slug":52},26,"Security and protection","security-and-protection",{"id":54,"title":55,"slug":56},31,"YouTube Blog","youtube-blog",{"name":58,"slug":59,"categories":60},"News","news",[61],{"id":62,"title":58,"slug":63},18,"quasanews",{"name":65,"slug":66,"categories":67},"Business","business",[68],{"id":69,"title":65,"slug":66},16,{"post":71,"published_news":97,"popular_news":165,"categories":234},{"title":72,"description":73,"meta_title":72,"meta_description":73,"meta_keywords":74,"text":75,"slug":76,"created_at":77,"publish_at":78,"formatted_created_at":79,"category_id":34,"links":80,"view_type":85,"video_url":86,"views":87,"likes":88,"lang":89,"comments_count":90,"category":91},"How Personal Finance Uses Open Banking","Important financial matters used to be handled almost exclusively in person.","Personal Finance Uses Open Banking, finance","\u003Cp>Hello!\u003C/p>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-1/0-fi-23.webp\" type=\"image/webp\">\u003Cimg alt=\"How Personal Finance Uses Open Banking\" class=\"image-align-left\" height=\"200\" src=\"https://cdn.quasa.io/photos/foto-1/0-fi-23.jpeg\" width=\"300\" />\u003C/picture>Important financial matters used to be handled almost exclusively in person. However, with the increase in digitisation, recent limitations of in-person contact and communication, and changes in behaviour and habits surrounding personal finance have spurred on changes (Szota, 2021). \u003Ca href=\"https://quasa.io/media/10-top-android-apps-for-personal-finances\">Personal finance\u003C/a> applications have become increasingly popular.\u003C/p>\n\n\u003Cp>In 2020, time spent on finance apps was up 45% from the previous year, and the number of global iPhone users who activated Apple Pay grew by more than 65 million people (Szota, 2021).\u003C/p>\n\n\u003Ch3>\u003Cstrong>Personal Finance is Changing\u003C/strong>\u003C/h3>\n\n\u003Cp>The rise in the desire to track and manage income along with the increase in mobile application use drive expansion in the personal finance market. Growing at a compound annual rate of 5.7% from 2020 to 2027, the market is expected to reach $1.57 billion by 2027 (Allied Market Research, 2020).\u003C/p>\n\n\u003Cp>Personal finance has been revolutionised by technologies. Dedicated apps powered by artificial intelligence have greater access to consumer data. AI can predict customer saving and spending habits and help prevent poor choices (Iacurci, 2020). The software can predict how a person may spend their money even before they even do, meaning that personal finance apps have become financial coaches at the fingertips of millions around the world (Iacurci, 2020).\u003C/p>\n\n\u003Ch3>\u003Cstrong>What is Open Banking?\u003C/strong>\u003C/h3>\n\n\u003Cp>\u003Ca href=\"https://quasa.io/media/when-using-iot-devices-how-open-banking-keeps-data-secure\">\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-1/0-fi-11.webp\" type=\"image/webp\">\u003Cimg alt=\"How Personal Finance Uses Open Banking\" class=\"image-align-left\" height=\"225\" src=\"https://cdn.quasa.io/photos/foto-1/0-fi-11.jpeg\" width=\"300\" />\u003C/picture>Open banking\u003C/a> is a banking practice that securely shares financial information, such as consumer banking transactions and other financial data, to third-party financial service providers (Estevez, 2020). Sharing data is done through the use of application programming interfaces (APIs) and only with the consent of customers (The Balance, 2020). Open banking is the driver behind both innovation and competition in the financial industry (Cahill, n.d.).\u003C/p>\n\n\u003Ch3>\u003Cstrong>Why Does Personal Finance Use Open Banking?\u003C/strong>\u003C/h3>\n\n\u003Cp>Open banking enables financial service providers access to bank account information needed to deliver accurate services and products for their customers.\u003C/p>\n\n\u003Cp>Open banking helps improve the relevance of services for customers through specialised third party providers (TPPs). Personal finance apps can analyse spending habits, deliver dashboards and offer customer-specific product recommendations (Rousseau, 2020). Furthermore, open banking helps deliver fast and secure payment services. Payment Initiation Services provide customers with the reassurance that their money is safe (Rousseau, 2020).\u003C/p>\n\n\u003Ch3>\u003Cstrong>Some Personal Finance Companies You Should Know About\u003C/strong>\u003C/h3>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-1/0-fi-16.webp\" type=\"image/webp\">\u003Cimg alt=\"How Personal Finance Uses Open Banking\" class=\"image-align-left\" height=\"115\" src=\"https://cdn.quasa.io/photos/foto-1/0-fi-16.jpeg\" width=\"300\" />\u003C/picture>Mint is a personal financial management website and mobile app for the US and Canada. The company uses open banking to access bank data in order to enable users to track investments, loan balances and transactions as well as create budgets and set financial goals through a single user interface (Anderson, 2020).\u003C/p>\n\n\u003Cp>Spendee is a Czech financial assistant platform that helps people manage their finances in an easy and convenient way. The company uses open banking to analyse their financial situation and aims to guide users towards a better financial health (Open Banking, n.d.).\u003C/p>\n\n\u003Cp>Wallet by BudgetBakers is an income and expense tracking app that is present worldwide. The app allows users to keep track of expenses and align with budget goals by using open banking data. Wallet uses account information data to deliver reliable and useful services to their customers.\u003C/p>\n\n\u003Cp>Also read:\u003C/p>\n\n\u003Cul>\n\t\u003Cli>\u003Ca href=\"https://quasa.io/media/5-simple-travel-tips-and-tricks\">5 Simple Travel Tips And Tricks\u003C/a>\u003C/li>\n\t\u003Cli>\u003Ca href=\"https://quasa.io/media/disney-and-universal-file-lawsuit-against-midjourney-for-copyright-infringement\">Disney and Universal File Lawsuit Against Midjourney for Copyright Infringement\u003C/a>\u003C/li>\n\t\u003Cli>\u003Ca href=\"https://quasa.io/media/some-useful-angular-features-you-ve-probably-never-used\">Some Useful Angular Features You've Probably Never Used\u003C/a>\u003C/li>\n\t\u003Cli>\u003Ca href=\"https://quasa.io/media/for-profit-vs-non-profit-financial-statements-key-differences\">For-Profit vs Non-Profit Financial Statements: Key Differences\u003C/a>\u003C/li>\n\u003C/ul>\n\n\u003Ch3>\u003Cstrong>What’s to Come?\u003C/strong>\u003C/h3>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-1/0-fi-2.webp\" type=\"image/webp\">\u003Cimg alt=\"How Personal Finance Uses Open Banking\" class=\"image-align-left\" height=\"186\" src=\"https://cdn.quasa.io/photos/foto-1/0-fi-2.jpeg\" width=\"300\" />\u003C/picture>Most technology surrounding finance has revolved around creating budgets and monitoring spending. Financial firms are currently working on building a new generation of services that automate even more of consumers’ day-to-day financial decisions (Iacurci, 2020). The aim is to make the decision process easier for those who have a hard time budgeting (Iacurci, 2020). Eventually, personal finance apps could take over these important decisions to the degree that apps will make decisions for you and move money behind the scenes.\u003C/p>\n\n\u003Cp>Thank you!\u003Cbr />\nJoin us on social networks!\u003Cbr />\nSee you!\u003C/p>","how-personal-finance-uses-open-banking","2023-07-30T13:19:44.000000Z","2023-07-31T08:30:00.000000Z","31.07.2023",{"image":81,"image_webp":82,"thumb":83,"thumb_webp":84},"https://cdn.quasa.io/images/news/lTntMrhDgISJlLAnDCLkmsudCPNrBKIF2rIPoD7i.jpg","https://cdn.quasa.io/images/news/lTntMrhDgISJlLAnDCLkmsudCPNrBKIF2rIPoD7i.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/lTntMrhDgISJlLAnDCLkmsudCPNrBKIF2rIPoD7i.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/lTntMrhDgISJlLAnDCLkmsudCPNrBKIF2rIPoD7i.webp","large",null,2422,1,"en",0,{"id":34,"title":35,"slug":36,"meta_title":92,"meta_description":93,"meta_keywords":94,"deleted_at":86,"created_at":95,"updated_at":96,"lang":89},"Quasa Media's Growth Hacking Finance Blog","Trends in financial literacy. Savings and investment options.","Finance, invest, money, rich, financial plan","2021-10-27T19:57:04.000000Z","2024-08-25T15:36:23.000000Z",[98,113,126,139,152],{"title":99,"description":100,"slug":101,"created_at":102,"publish_at":103,"formatted_created_at":104,"category":105,"links":106,"view_type":111,"video_url":86,"views":42,"likes":90,"lang":89,"comments_count":90,"is_pinned":112},"GitHub’s AI Agent Tsunami: 275 Million Commits a Week, 14 Billion Projected for 2026 — And the Platform Is Starting to Crack","GitHub just hit numbers that would have sounded like science fiction twelve months ago.","github-s-ai-agent-tsunami-275-million-commits-a-week-14-billion-projected-for-2026-and-the-platform-is-starting-to-crack","2026-04-17T17:10:50.000000Z","2026-04-20T11:57:00.000000Z","20.04.2026",{"title":58,"slug":63},{"image":107,"image_webp":108,"thumb":109,"thumb_webp":110},"https://cdn.quasa.io/images/news/XZTYmDGdaBEeRqB4Fv56AeOVoRtMa9PgoABzA3uj.jpg","https://cdn.quasa.io/images/news/XZTYmDGdaBEeRqB4Fv56AeOVoRtMa9PgoABzA3uj.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/XZTYmDGdaBEeRqB4Fv56AeOVoRtMa9PgoABzA3uj.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/XZTYmDGdaBEeRqB4Fv56AeOVoRtMa9PgoABzA3uj.webp","small",false,{"title":114,"description":115,"slug":116,"created_at":117,"publish_at":118,"formatted_created_at":104,"category":119,"links":120,"view_type":111,"video_url":86,"views":125,"likes":90,"lang":89,"comments_count":90,"is_pinned":112},"Time’s Up for SaaS: Grow Faster or Disappear","The public markets have spoken — and the verdict is brutal. In early 2026, the software sector is in freefall. The Meritech Public SaaS Index has plunged 37% since the end of Q3 2025.","time-s-up-for-saas-grow-faster-or-disappear","2026-04-17T16:42:27.000000Z","2026-04-20T09:32:00.000000Z",{"title":31,"slug":32},{"image":121,"image_webp":122,"thumb":123,"thumb_webp":124},"https://cdn.quasa.io/images/news/Pgd6kFN0MEzRDCuMrQRslHnVu4QNjjMMfuhEgOWY.jpg","https://cdn.quasa.io/images/news/Pgd6kFN0MEzRDCuMrQRslHnVu4QNjjMMfuhEgOWY.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/Pgd6kFN0MEzRDCuMrQRslHnVu4QNjjMMfuhEgOWY.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/Pgd6kFN0MEzRDCuMrQRslHnVu4QNjjMMfuhEgOWY.webp",40,{"title":127,"description":128,"slug":129,"created_at":130,"publish_at":131,"formatted_created_at":104,"category":132,"links":133,"view_type":111,"video_url":86,"views":138,"likes":90,"lang":89,"comments_count":90,"is_pinned":112},"Twitter Dev Builds “Stukach-Claw” — An AI Snitch Bot That’s Already Reported 4,250 People to the IRS for Tax Jokes","A crypto trader and developer known as @camolNFT has gone viral after revealing he built an autonomous AI agent called OpenClaw (affectionately dubbed Stukach-Claw by Russian-speaking users) that actively hunts for “jokes” about tax evasion on social media and automatically files whistleblower reports with the IRS.","twitter-dev-builds-stukach-claw-an-ai-snitch-bot-that-s-already-reported-4-250-people-to-the-irs-for-tax-jokes","2026-04-17T12:09:57.000000Z","2026-04-20T06:06:00.000000Z",{"title":19,"slug":20},{"image":134,"image_webp":135,"thumb":136,"thumb_webp":137},"https://cdn.quasa.io/images/news/Bknfo3h65dH5eqJ5coCdgVsAxMYJsDIOPyZplmaX.jpg","https://cdn.quasa.io/images/news/Bknfo3h65dH5eqJ5coCdgVsAxMYJsDIOPyZplmaX.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/Bknfo3h65dH5eqJ5coCdgVsAxMYJsDIOPyZplmaX.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/Bknfo3h65dH5eqJ5coCdgVsAxMYJsDIOPyZplmaX.webp",58,{"title":140,"description":141,"slug":142,"created_at":143,"publish_at":144,"formatted_created_at":104,"category":145,"links":146,"view_type":111,"video_url":86,"views":151,"likes":90,"lang":89,"comments_count":90,"is_pinned":112},"Baidu Drops ERNIE-Image: A Compact 8B Open-Source Text-to-Image Model That Tops the Charts","Baidu has just released ERNIE-Image — a new open-weight text-to-image generator that is already turning heads in the AI community.","baidu-drops-ernie-image-a-compact-8b-open-source-text-to-image-model-that-tops-the-charts","2026-04-17T11:57:35.000000Z","2026-04-20T03:44:00.000000Z",{"title":47,"slug":48},{"image":147,"image_webp":148,"thumb":149,"thumb_webp":150},"https://cdn.quasa.io/images/news/1QiOJcmqi34aQvnRfCwi97GmGUD4JPEukbjf4csU.jpg","https://cdn.quasa.io/images/news/1QiOJcmqi34aQvnRfCwi97GmGUD4JPEukbjf4csU.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/1QiOJcmqi34aQvnRfCwi97GmGUD4JPEukbjf4csU.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/1QiOJcmqi34aQvnRfCwi97GmGUD4JPEukbjf4csU.webp",73,{"title":153,"description":154,"slug":155,"created_at":156,"publish_at":156,"formatted_created_at":157,"category":158,"links":159,"view_type":111,"video_url":86,"views":164,"likes":90,"lang":89,"comments_count":90,"is_pinned":112},"Cloudflare Just Made Email a First-Class Citizen for AI Agents — And Traditional Email Services Are Feeling It","On April 17, 2026, Cloudflare quietly turned a long-standing dream into reality: it moved Email Service into public beta and added full Email Sending alongside the years-old Email Routing.","cloudflare-just-made-email-a-first-class-citizen-for-ai-agents-and-traditional-email-services-are-feeling-it","2026-04-19T18:41:05.000000Z","19.04.2026",{"title":43,"slug":44},{"image":160,"image_webp":161,"thumb":162,"thumb_webp":163},"https://cdn.quasa.io/images/news/BL8rqDdPh380Xfk5TP00aXBFWdOVXI5BUQ1TuSaC.jpg","https://cdn.quasa.io/images/news/BL8rqDdPh380Xfk5TP00aXBFWdOVXI5BUQ1TuSaC.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/BL8rqDdPh380Xfk5TP00aXBFWdOVXI5BUQ1TuSaC.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/BL8rqDdPh380Xfk5TP00aXBFWdOVXI5BUQ1TuSaC.webp",121,[166,179,194,206,220],{"title":167,"description":168,"slug":169,"created_at":170,"publish_at":171,"formatted_created_at":172,"category":173,"links":174,"view_type":111,"video_url":86,"views":177,"likes":178,"lang":89,"comments_count":90,"is_pinned":112},"The Anatomy of an Entrepreneur","Entrepreneur is a French word that means an enterpriser. Enterprisers are people who undertake a business or enterprise with the chance of earning profits or suffering from loss.","the-anatomy-of-an-entrepreneur","2021-08-04T15:18:21.000000Z","2025-12-14T06:09:00.000000Z","14.12.2025",{"title":65,"slug":66},{"image":175,"image_webp":86,"thumb":176,"thumb_webp":176},"https://cdn.quasa.io/images/news/mVsXPTMuHZuI7UXCsENgL1Qwp1uSOf7Rz3uVPMfm.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/mVsXPTMuHZuI7UXCsENgL1Qwp1uSOf7Rz3uVPMfm.webp",70936,2,{"title":180,"description":181,"slug":182,"created_at":183,"publish_at":184,"formatted_created_at":185,"category":186,"links":187,"view_type":85,"video_url":86,"views":192,"likes":193,"lang":89,"comments_count":90,"is_pinned":112},"Advertising on QUASA","QUASA MEDIA is read by more than 400 thousand people a month. We offer to place your article, add a link or order the writing of an article for publication.","advertising-on-quasa","2022-07-06T07:33:02.000000Z","2025-12-15T17:33:02.000000Z","15.12.2025",{"title":58,"slug":63},{"image":188,"image_webp":189,"thumb":190,"thumb_webp":191},"https://cdn.quasa.io/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.jpg","https://cdn.quasa.io/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.webp",70702,4,{"title":195,"description":196,"slug":197,"created_at":198,"publish_at":199,"formatted_created_at":200,"category":201,"links":202,"view_type":111,"video_url":86,"views":205,"likes":193,"lang":89,"comments_count":90,"is_pinned":112},"What is a Startup?","A startup is not a new company, not a tech company, nor a new tech company. You can be a new tech company, if your goal is not to grow high and fast; then, you are not a startup. ","what-is-a-startup","2021-08-04T12:05:17.000000Z","2025-12-17T13:02:00.000000Z","17.12.2025",{"title":65,"slug":66},{"image":203,"image_webp":86,"thumb":204,"thumb_webp":204},"https://cdn.quasa.io/images/news/EOsQhSW3VXyG7a6NPdE1oZd00xfJXe3bjY5aJGb7.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/EOsQhSW3VXyG7a6NPdE1oZd00xfJXe3bjY5aJGb7.webp",68331,{"title":207,"description":208,"slug":209,"created_at":210,"publish_at":211,"formatted_created_at":212,"category":213,"links":214,"view_type":111,"video_url":86,"views":219,"likes":178,"lang":89,"comments_count":88,"is_pinned":112},"Top 5 Tips to Make More Money as a Content Creator","Content creators are one of the most desired job titles right now. Who wouldn’t want to earn a living online?","top-5-tips-to-make-more-money-as-a-content-creator","2022-01-17T17:31:51.000000Z","2026-01-17T11:30:00.000000Z","17.01.2026",{"title":19,"slug":20},{"image":215,"image_webp":216,"thumb":217,"thumb_webp":218},"https://cdn.quasa.io/images/news/gP8kiumBPpJmQv6SMieXiX1tDetx43VwFfO1P4Ca.jpg","https://cdn.quasa.io/images/news/gP8kiumBPpJmQv6SMieXiX1tDetx43VwFfO1P4Ca.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/gP8kiumBPpJmQv6SMieXiX1tDetx43VwFfO1P4Ca.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/gP8kiumBPpJmQv6SMieXiX1tDetx43VwFfO1P4Ca.webp",42299,{"title":221,"description":222,"slug":223,"created_at":224,"publish_at":225,"formatted_created_at":226,"category":227,"links":228,"view_type":85,"video_url":86,"views":233,"likes":178,"lang":89,"comments_count":90,"is_pinned":112},"8 Logo Design Tips for Small Businesses","Your logo tells the story of your business and the values you stand for.","8-logo-design-tips-for-small-businesses","2021-12-04T21:59:52.000000Z","2025-05-05T03:30:00.000000Z","05.05.2025",{"title":15,"slug":16},{"image":229,"image_webp":230,"thumb":231,"thumb_webp":232},"https://cdn.quasa.io/images/news/Wbx2NtS1CnTupgoQbpFMGspJ5jm4uob2hDOq33r0.jpg","https://cdn.quasa.io/images/news/Wbx2NtS1CnTupgoQbpFMGspJ5jm4uob2hDOq33r0.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/Wbx2NtS1CnTupgoQbpFMGspJ5jm4uob2hDOq33r0.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/Wbx2NtS1CnTupgoQbpFMGspJ5jm4uob2hDOq33r0.webp",41392,[235,236,237,238,239,240,241,242,243,244,245,246,247],{"title":23,"slug":24},{"title":47,"slug":48},{"title":55,"slug":56},{"title":43,"slug":44},{"title":51,"slug":52},{"title":31,"slug":32},{"title":35,"slug":36},{"title":27,"slug":28},{"title":19,"slug":20},{"title":15,"slug":16},{"title":58,"slug":63},{"title":11,"slug":12},{"title":65,"slug":66}]