# 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="/pages/-MMGYELG7Nu06cfqiC6f" %}
[Javascript-Widget](/xs2a/integration-cs/integration-variants/javascript-widget.md)
{% endcontent-ref %}

{% content-ref url="/pages/-MMGZN6bQ0XOFqIj0OPM" %}
[Open Banking Platform (XS2A.api)](/xs2a/integration-cs/platforms/api.md)
{% endcontent-ref %}

{% content-ref url="/pages/-MMGZISLew-2pzZ8yizy" %}
[Payment Platform (XS2A.pay)](/xs2a/integration-cs/platforms/pay.md)
{% endcontent-ref %}


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