# Introduction to Finance Management

The modular Consumer Engagement proposition, formerly known as Money Manager is a suite of financial management tools, available via the Tink API, that gives developers everything they need to build next-gen digital banking experiences.

When moving further into our content, the below table is how to navigate our in-depth articles and API reference:

| Module/add-on    | Finance Management functionality     |
| ---------- | ---------- |
| Statistics & Insights      | Statistics; Actionable Insights        |
| Budgets & Savings    | Budgets; Savings goal    |
| Subscriptions & Bill Management     | Subscriptions, Cost of Living       |
| Sustainability    | Sustainability    |


Mention “Personal Finance Management" to someone within the financial industry, and there’s a chance you’ll hear a hint of scepticism. This is because for years hype overtook reality, and people underestimated the amount of time it would take to go from well-designed banking apps with pretty data visualisations, to delivering timely, useful insights based on your data. The reality, as usual, is somewhere in the middle. While we are still not quite at the stage of machines making sophisticated financial decisions for us, we are definitely past the point of modern banking apps being all about pie charts and bar graphs.

!https://images.contentful.com/tmqu5vj33f7w/FvNiOrIXSjHIinjnzHXBS/9633868cea607177db2101133bb9dca8/option-2.jpg

Tink has extensive experience in this space, and we believe developers require a more nuanced understanding of money management to cater to lofty consumer expectations. Broadly speaking, digital money management can be described as:

1. Giving your customers a consolidated, comprehensive view of their finances in one environment / app. 
2. Taking the hassle out of managing finances by offering them the right insights at the right time.
3. Moving funds between accounts and making payments within your app or product UI.

From a developer perspective, we can do all of the above. One integration with the Tink platform is all you need to connect to thousands of banks, fetch up-to-date financial data, offer insights based on that data, as well as make payments. 

## Features

The proposition is packaged as a modular set of components so customers can pick and choose the features they would like to implement.

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