Wioba

Features Wioba

With Wioba, people who like you like to be in control of their finances will no longer haveneed to collect and consolidate information dispersed across various sources, freeing up time for youranalysis or take advantage of it in other activities that you like.With our application you can: Consolidate information from different banks, create andcontrol your personal budget and define your savings goals and monitor them.
With theSupport of our technology automates those tasks.For security: We do not ask for your identification, which prevents you from being able to relate youridentity with your financial information, and you will have a password to access the application orPIN.
All your information is managed with high security standards.
In noAt the moment we ask you for the dynamic keys, token or any other that allows operationsmonetary between your accounts or with third parties.The functionalities that Wioba offers you supported by Artificial Intelligence are:HOW MUCH DO I HAVEThe difference that Wioba offers you is that it provides a consolidated view of the products thatown multiple entities.The information is updated at the time of access, so you will always have thebetter information to make your financial decisions.It presents you the detail by bank and product, so that in a single view you can review howyour money is distributed and have the total available.HOW MUCH DO I SPENDGraphically show the behavior of your expenses, presenting different options fordisplay: Daily, weekly and monthly.
It also shows you the total expenses incurredduring the month and a detail of the transactions that make up that value.HOW MUCH DO I OWE YOUIt allows you to consolidate the balances of all the debts you have with the different banks:Consumption, payroll, mortgage, housing and vehicle leasing, credit cards and quotarotary.
This view is built automatically by Wioba after adding the banks andtheir products.HOW MUCH SAVINGSPresent the resources you have saved to meet your goals, in products such as: CDT,investment funds, pockets and some savings accounts such as: AFC and savings accountsprogrammed.BUDGETWioba incorporates a practical functionality to build the personal budget and carry outpermanent monitoring for each category.Using artificial intelligence, account movements are classified in the categoryHowever, you can reclassify a type of transaction in a categorydifferent and the application will continue to take it where you indicate.Each of the categories will be represented with a progress bar according to the budgetset, changing color as it approaches the stop.
The sum of all of themwill present a total budget and its degree of compliance.With what we learn from your behavior, we will propose a budget for eachyear, which you can adjust according to your expectations, but it will save you a lot of time in yourbuilding.MY GOALSThe application shows the savings goals you set, how they are distributed over time andIt will inform you of the monthly effort you must make to comply with them.From each goal you get a detail, which graphically shows how you are achieving it.
Tearemember the number of installments you set, their total value, the start dates andtermination and you can determine if the monthly value you allocate for it will be a value thatbe considered in the budget.You can set the frequency of savings, depending on the frequency of your income: Monthly,biweekly, weekly or daily.
When you have reached your goal, we will remind you so thatyou can enjoy what you noticed.