BANKING TECH THAT’S THERE,
When life
happens to
your customers
Dare to see the people beyond a transaction list. Become a part of their story.
Your customers are making financial decisions every day. How many are you a part of?
Most banks show customers their financial information. Very few
help them do something with it.
That gap is where engagement is lost. Where customers go quiet,
drift, and the relationship stops growing.
Go from showing financial information to aiding better financial decisions.
When a customer understands their money, they make better decisions. When the bank is the one helping them get there, they come back. That is the relationship Clayfin PFM is built to create.
The tools that turn a banking app
into a financial companion.
Clayfin PFM brings a connected set of capabilities into the bank’s existing channels. Each one designed to make
the customer’s financial life clearer, and the bank’s role in it more meaningful.
Comprehensive
spend analysis
Every transaction categorised and reflected back as a pattern. Customers see their financial life as a picture, not a list.
Budgeting and expense tracking
A budget set once. A nudge that arrives when it should. That is how a bank earns the next conversation.
Goal-based saving
A trip. A phone. A down payment. Abstract intentions become tracked goals — with progress the customer can see and milestones the bank can celebrate with them.
Micro savings
Saving does not have to be a deliberate act. Round-ups and automated rules make saving something that happens alongside life, without the customer having to plan for it every time.
Clayfin PFM also offers two extended tiers for banks that want to go further.
Multi-bank PFM
For customers whose financial life does not sit in one place. A consolidated view of net worth, aggregated spend, and financial health across accounts and institutions.
Social banking
Money moves between people, not just accounts. Customers can split expenses and attach meaning to transactions — turning shared moments into something the bank is part of.
Engagement is not a metric. It is the adhesive in your customer relationship.
Customers who actively use PFM features open more products, return more often, and are less likely to leave.
Because PFM changes what the bank means to them. It stops being a place to check a balance and starts being an invisible hand in the decisions that matter.
The commercial case.
Retention
Customers who feel financially understood do not look elsewhere
Cross-sell
Clayfin PFM detects the customers goals and tells the bank exactly when to show up with the right product.
Daily usage
A goal to check, a budget to track, a nudge to act on. Reasons to return rooted in everyday life
Reduced churn
Engagement built on relevance outlasts engagement built on habit
Clayfin Cognitive Suite
ENRICH
Core PFM foundation
Single-bank financial wellness with categorization, budgeting, and goal-tracking. Essential engagement features to start your PFM journey.
INCLUDES
- Auto categorization (Income/Expense)
- Goals: FD/RD Budget tracking
- Merchant insights
- Admin user controls
Deployment
On-Premise | Cloud | Data-as-a-Service
ENGAGE
Enrich+ with multi-bank aggregation
Add financial wellness across all banks, goal tracking, spending insights, and personalized nudges as the retention layer.
ADDS TO ENRICH
- Multi-bank aggregation (100+ banks)
- AI nudge engine
- Advanced goals + savings tools
- Campaign builder
- Cross-bank competition insights
Deployment
On-Premise | Cloud | Data-as-a-Service
PREMIUM
Engage+ with AI intelligence
Add forecasting, ESG tracking, family banking, and custom AI nudges for next-generation financial wellness.
ADDS TO ENGAGE
- AI forecasting (income/expense)
- Financial memories
- Carbon footprint tracking
- Family banking + group savings
- Nudge builder (custom AI)
Deployment
On-Premise | Cloud | Data-as-a-Service
All of these capabilities
are connected by one
coherent view of who
the customer is.
Clayfin PFM runs on our cognitive banking platform that connects experience, data, business logic, and channels.
→ The spending pattern from mobile connects to the goal set on web.
→ The nudge on WhatsApp reflects what the branch already knows.
→ The insight that matters arrives where the customer already is.
One customer. One picture. Every channel.
PFM is one part of the engagement layer.
Smart Retail Banking
The broader platform that brings onboarding, everyday
banking, engagement, and analytics into one connected model.
Wealth Management
A platform deployable in just 6 months with the full picture on customers. Bring insights, holdings, goals, advice, and everyday banking into one view you and the clients can understand.
Be the bank that gets the WHY behind financial decisions.
Talk to Clayfin about bringing PFM into your digital experience.
→ From transaction data to financial clarity.
→ From passive account holders to engaged customers.
→ From a balance on a screen to a relationship that grows.