The key focus is on designing a sophisticated app system to assist plan, monitor and control the finances of an individual, organization or a project. The app will provide services for the management of personal incomes and expenses by automated app to maintain discipline in the organization of finances. Rather than tracking all transactions throughout the month, this app will allow the creation of customized categories to be subtracted from as spending is made. The expenses will be added to several categories and the app will provide notification whenever the funds are low (Foltin, 2012). This will help to plan and monitor budget for the identification of wasteful expended, quickly adapting as changes take place in the financial scenario. The key focus is to ensure achievement of financial objectives. This process of planning can be used for prioritizing the spending and focusing funds on important things.
Users of the App and Key Rationale, and Price Estimates
The app has strong suitability to trace expense and income for the construction of healthy finance. In the current busy era, this assists individuals in understanding cash flow and planning the expenses accordingly (Karhu and Heiskala, 2013). The key users will be inclusive of students, parents and anyone with the willingness of tracking their personal costs. Fifty two per cent of the American population with bank accounts and smartphones consider using financial and mobile banking apps to explore specific options, complete transactions, and check the key balances. The industry of financial service will be leveraging increased mobile for the improvement of interaction among clients and establishment of loyalty. This mobile app will serve the purpose of increasing productivity and improving the experience of client to battle the shift in perspectives. The industry of financial apps has started to gain traction significantly with opening of 30 per cent more financial apps in comparison with other categories (Kotsopoulos and Stamatiou, 2012).
In the market of United States, approximately 50 per cent of financial institution ranked top 25 are offering mobile apps of advanced features in the aspects of cash deposit and transfer services. One third of the customers in major banks ensure the utilization of mobile banking regularly. Mobile phone is the main factor driving consumers for the accessibility of personal financial data on app websites as majority of them remark the satisfactory and positive experience among used. Majority of the users selected may perceive the app for the following purposes (Lee, 2013):
Reviewing the information of bank account or checking the balances
Reviewing the positions of mutual fund, individual stock, or brokerage account
Researching new mutual funds, stocks, and investments
Conducting transactions on the bank
Conducting transactions related to mutual fund and stock
Making payments on individual basis
Researching or shopping for a new insurance policy of financial account
Applying for a new account at a bank
Requesting a quote for a specific loan rate or insurance policy
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