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Personal Financial Management (PFM) refers to software that helps users manage their money. PFM often lets users categorize transactions and add accounts from multiple institutions into a single view. PFM also typically includes data visualizations such as spending trends, budgets and net worth. == History == PFM started in 1983 with the founding of Intuit. Scott Cook and Tom Proulx, the company’s founders, witnessed the rise of the personal computer and saw an opportunity to develop personal financial software. Their flagship product, Quicken, became a standard for many households and was eventually followed by QuickBooks, which helped small businesses manage their finances. In 1990 Microsoft released their own PFM platform called Microsoft Money. Microsoft worked with Intuit and CheckFree in 1997 to create Open Financial Exchange (OFX), which allowed financial institutions to exchange data with web users, paving the way for online PFM software.〔(【引用サイトリンク】title=History of OFX )〕 Yodlee was founded in 1999. Originally a site that let users view email, banking, news, travel, and shopping in one place, it soon pivoted to focus exclusively on banking, allowing users to view their financial accounts from different institutions all at once. Also eWise was founded in 2000 and implemented off-the-shelf digital money management at Australia's Westpac as early as 2001. Because building, managing and maintaining a robust account aggregation engine is complex and requires ongoing effort, many of the PFM providers do not offer their own account aggregation engine. Yodlee and eWise started as Account Aggregation and have extensive aggregation expertise, on which relies PFM. A wave of online PFM tools launched around 2006, with Wesabe and Mint at the forefront. Mint was acquired by Intuit in 2009 for $170 million,〔(【引用サイトリンク】url=http://techcrunch.com/2009/09/14/the-value-of-techcrunch50-mint-acquired-by-intuit-for-170m-two-years-after-winning-tc40/ )〕 and Wesabe went under in 2010. Wesabe’s CEO cited the fact that Mint automatically aggregated accounts and transactions as a key reason that Wesabe lost market share to Mint. Since 2008, PFM has expanded in scope. Financial advisory companies such as LearnVest, Personal Capital and Credit Karma integrate PFM into their software. Direct banks like Simple and Moven do the same. In addition, several companies have focused on selling PFM directly to financial institutions. These companies include Digital Insight, Geezeo, (MX ) and Strands.〔(【引用サイトリンク】url=http://thefinancialbrand.com/29078/money-desktop-persona-financial-management-tool/ )〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Personal Financial Management」の詳細全文を読む スポンサード リンク
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