Aplikacje PFM jako FinTech w finansach osobistych

Abstract

Modern technologies play an increasingly important role in everyday life and, consequently, in planning and managing personal finances. The aim of the study is to assess the advantages and disadvantages as well as the opportunities and threats of using modern financial technologies in the process of managing personal finances. The chapter seeks to answer the research question whether the further development of the FinTech industry will influence the greater diversification of PFM applications in terms of functionality. The chapter consists of three main parts. The first presents the characteristics of PFM applications as a personal finance management tool. The second part provides a SWOT analysis of PFM. The chapter ends with a presentation of the results of primary and secondary research on the use of PFM applications and a conclusion.