FinTech Insights Blog | FinTech Insights

Must-have personal finance management features for US market success

Written by Panagiotis Koutroumpis : Head Analyst at FinTech Insights | Jun 3, 2025 12:14:09 PM

Budgeting. Saving. Spend analysis. 

With satisfaction scores rising by as much as 127 points when banks offer them compared to when they don't, digital personal finance management (PFM) features are an important customer engagement and retention tool.

But are banks doing enough to meet consumers' needs and expectations? Or is there more they could be doing?

According to our digital banking research platform FinTech Insights, some US firms are doing better than others in this regard. But the data also revealed some surprises. 

Here's a deeper look at the current state of digital PFM in the US:
  • The most (and least) commonly-available features
  • A rundown of our more unexpected findings, and the potential reasons for them
Let's dive in.