Wioba 1.7.4

Wioba is a platform that caters to individuals, like yourself, who enjoy having full control over their finances. Gone are the days of gathering and consolidating information from various sources, freeing up time either for in-depth analysis or for pursuing other activities you enjoy.

With our application, you can consolidate information from different banks, create and manage your personal budget, set savings goals, and track them efficiently. Our technology automates these tasks to streamline your financial management process.

For security purposes, we do not request your identification, ensuring a complete separation of your identity from your financial data. You will have a secure PIN for accessing the application. Your information is handled adhering to high-security standards. At no point will we ask for dynamic passwords, tokens, or any other details facilitating financial operations between your accounts or with third parties.

Wioba's functionalities, supported by Artificial Intelligence, include:

• OVERVIEW OF ASSETS: Wioba provides a consolidated view of your holdings across multiple entities.
• UP-TO-DATE INFORMATION: Real-time data access ensures you always have the most relevant information at hand for making financial decisions.
• DIRECT INSIGHTS: Detailed breakdowns by bank and product allow you to review your fund distribution and total available funds in a single glance.

• EXPENSE TRACKING: Visualizes your spending patterns with graphs displaying daily, weekly, and monthly views. It summarizes monthly expenditures with detailed transaction breakdowns.
• DEBT MONITORING: Automates the consolidation of balances from all types of debts you hold with different banks (e.g., consumer loans, mortgages, credit cards). Wioba constructs this view after adding banks and associated products.
• SAVINGS MANAGEMENT: Highlights the resources allocated toward achieving your goals across various products such as term deposits (CDs), investment funds, designated funds, and selected savings accounts (e.g., AFC accounts).

BUDGET MANAGEMENT: Wioba includes user-friendly tools for crafting and monitoring a personal budget across categories. Through AI-driven categorization of account transactions, you can refine classifications as needed while the app continues to assign them appropriately.

The progress bars for each category change color as they near their budget limits. Collectively, they present an overview of your total budget and its fulfillment status. Additionally, leveraging insights from your behavior, Wioba offers annual budget suggestions that you can customize based on your preferences, saving considerable time in budget planning.

GOAL SETTING: The application displays your savings objectives distributed over time and calculates the monthly effort required to meet them. Each goal includes visual progress tracking detailing milestones reached, installment numbers, total values, start and end dates. You can specify if the monthly contribution toward a goal factors into your budget.

You can set the saving frequency based on your income schedule: monthly, bi-weekly, weekly, or daily. Once you reach a milestone, Wioba prompts you so you can enjoy the rewards you've set for yourself.