# PFM (Personal Finance Management)

> PFM (Personal Finance Management) applications help users to manage their money and financials. PFM often let users categorize transactions and add accounts from multiple institutions into a single view. PFM typically includes data visualizations such as spending trends and budgets as well as a user friendly design. 

Tink Germany provides access to multiple banking institutions to pull turnovers and initiate payments out from the application. 

{% hint style="success" %}
We suggest using our Open Banking Platform and Payment Platform via Javascript Widget
{% endhint %}

{% content-ref url="../integration-variants/javascript-widget" %}
[javascript-widget](https://guide.xs2a.com/xs2a/integration-cs/integration-variants/javascript-widget)
{% endcontent-ref %}

{% content-ref url="../platforms/api" %}
[api](https://guide.xs2a.com/xs2a/integration-cs/platforms/api)
{% endcontent-ref %}

{% content-ref url="../platforms/pay" %}
[pay](https://guide.xs2a.com/xs2a/integration-cs/platforms/pay)
{% endcontent-ref %}