How banking services for improving financial health work

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Banks are launching services to improve the "financial health" of their clients. T-Bank recently began offering such a product to its users, and Sberbank has also introduced a similar tool in test mode. The new services provide personalized recommendations on spending and savings.

Thus, with the help of "Finzdorov'e" from T-Bank, you can track your credit load and the likelihood of loan approval, paid subscriptions, financial protection and investment income. Such applications help a person assess his real income and expenses, the level of debt load, and also see problematic issues, the press service of the Central Bank noted. However, it is important that they do not contain hidden advertising. What financial indicators are important for Russians to monitor and why - in the material of "Izvestia".


The largest Russian banks peru whatsapp resourceare launching services based on artificial intelligence to improve the financial condition of clients. For example, T-Bank recently began offering such a product.

They explained that the service works as follows. AI algorithms analyze tens of millions of anonymized customer data. The service then displays indicators and personalized recommendations on expenses and income.

For example, it shows the user's total amount of money and tips on how to improve their financial situation. The system will also calculate how long the accumulated money will last with normal spending. A person can enter information about funds in other banks and cash manually. At the same time, Sber and T-Bank have already begun to implement open banking in test mode so that clients can combine information about their accounts in each other's mobile applications. In the future, the service will automatically load data about accounts from other banks.

The Finzdorovye service will also help track your subscription spending — online cinemas, music streaming, etc. There is also a function with a reminder about writing off money three days before payment. The program will also help track your investment spending or decide how much money a person can start investing.

In addition, the system shows the client's credit rating: the higher it is, the more likely it is to receive favorable loan terms. The service also helps calculate the credit load (that is, what part of the income a person gives to repay the debt). This is one of the important indicators that banks look at when deciding whether to issue a loan: if the interest rate is below 50%, the chances of approval are high.

In the near future, Finzdorovye will also have new functions, the company added. For example, the system will independently predict future expenses and help create a realistic monthly budget.