Account information, not payment authority
Access is limited to the information needed to provide analysis and budgeting features. Payment initiation is outside the product scope.
Independent development · Aotearoa New Zealand
Clarity for everyday finances.
MyFinance is a read-only analysis and budget management tool designed to turn account activity into a clearer view of spending, cash flow and financial habits.
Purpose
Understand, without moving money.
MyFinance is being built to help people review their own financial information, organise budgets and recognise useful patterns over time.
Planned bank integrations are limited to account information required for analysis. MyFinance does not initiate payments and does not ask customers to provide internet-banking passwords, PINs or authentication codes.
Integration direction
Built toward New Zealand's open banking standard.
The technical implementation is targeting version 3.0 of the Payments NZ API Centre Open Banking standard and published bank requirements for confidential clients.
Development is limited to account-information functions. Standards sandbox and synthetic data will be used until a bank approves access to its live environment.
Operating principles
Deliberately limited by design.
Authorised through the bank
Access will use the bank's approved authorisation process, with clear customer consent and the ability to disconnect access.
Collected for a defined purpose
Financial information will be used only to provide requested analysis and budgeting functions—not for advertising or sale.