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Main article: Mobile applications
Researches
2017: Artezio defined top-10 mobile applications for accounting of finance
Analysis department of Artezio company (enters into group of CHEEKS) conducted a complex research of mobile applications for accounting of personal finance and systematized popular items of expenditure at users of financial programs in Russia.
Items of expenditure
According to a research, published on October 20, 2017, among the expenses considered in smartphones users spend the greatest amounts for the car and for its repair. In ten popular items of expenditure — Products, "Payment of the credits", "Expenses for education", Travel and others. And categories "Health" and "Rest" in the list appeared on the 18th place.
Top-10 applications
In top-10 finance applications which as much as possible answer requests of users Personalcapital is in the lead. Among application advantages experts selected ease of budgeting, planning of expenses, maintaining the joint budget, monitoring of credit resources.
On the second place — the scheduler of Dollarbird. He can be tied to separate accounts, to manually enter data on payments and to receive additional detailing of accounts.
The third place in rating at the Mint application — the only thing which at the moment covers all available mobile platforms, including Amazon Kindle.
Top-10 applications for accounting of personal finance according to Artezio includes:
- Personalcapital
- Dollarbird
- Mint
- LearnVest
- Wally
- Goodbudget
- Mvelopes
- Cost Track
- RBC Bank myFinance Tracker
- YouNeedaBudget
Evaluation criteria
Applications were estimated by 11 criteria, including the following:
- support of mobile platforms,
- cost,
- existence of additional expenses (built-in purchases),
- budgeting,
- possibility of a binding of several accounts and monitoring of credit rating,
- existence of the notification about suspicious transactions,
- existence of the calendar of the planned expenses.
Lack of standards
 | Applications for accounting of personal finance — some of the most demanded on all mobile platforms. However, despite the serious competition of developers in this segment, users still did not receive the convenient tool which would allow to consider automatically expenses and income, without forcing the person to enter necessary data laboriously — Evgeny Rozin, the leading business analyst Artezio (Canada) noted. |  |
According to Evgeny Rozin, the main problem — lack of technology standards for providing by banks and the trading companies of financial data. Many functions of a financial analysis are unavailable in Russia because of technology passivity of financial institutions which are not ready to develop universal solutions jointly. Banks and trade organizations do not allow users to collect an integral financial picture, offering separate applications or ignoring inquiries of developers for providing data.
Estimating applications, at Artezio, first of all, paid attention to how developers solved a problem of data collection, their applications are how convenient and useful to users, the business analyst explained.
Demanded functions
During the research Artezio also revealed the main user requirements to the universal applications created for accounting of finance. Among demanded or most anticipated functions — automatic monitoring of payments for the credits, consolidated acquisition of the movement on different accounts and cards, the simplified data entry.
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