# Personal Financial Management
source: https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/use-cases/pfm/index.md

Our [Get Account Information APIs](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-data/account-information/index.md) empower you to connect with your customers to deliver clean, aggregated account data, helping them gain better financial control. Leverage our APIs to retrieve up to twelve months of account and transaction data and provide your customers a consolidated view of their finances in a single app. Apply analytics and insights to the data help your customers manage their wealth better.

### Features {#features}

### How it works {#how-it-works}

The user can connect their bank accounts to your service using our [Supervised Login](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-data/connect/supervised/index.md) flow. Once they approve the connection, you will be able to retrieve [Accounts](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-data/account-information/index.md) and [Transactions](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-data/transactions/index.md) details.

You can continue to get updates for the accounts and transactions by performing [Refreshing](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-data/connect/refreshing/index.md) and updating your internal records.

The following screenshots show sample screens:
![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/usecases/ecommerce/howitworks.png)

### Data flow {#data-flow}

Diagram pfm

1. PSU agrees to connect an account to the TPP's PFM service.
2. TPP makes a supervised login and redirects the user to the Auth URL
3. TPP directly authenticates with their ASPSP and allows the TPP to access their accounts and transactions
4. TPP retrieves the PSU accounts info
5. TPP retrieves the PSU transactions details

### Further information {#further-information}

* Refer to [Supervised Login](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-data/connect/supervised/index.md) to learn about authenticating the PSU.
* Refer to [Refreshing](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-data/connect/refreshing/index.md) to learn about maintaining access to the PSU info.
* Refer to [Get Account Information APIs](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-data/account-information/index.md) to learn about retrieving accounts information.
* Refer to [Get Transactions](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-data/transactions/index.md) to learn about retrieving transactions details.
* Refer to the [Glossary](https://developer.mastercard.com/open-finance-europe/documentation/glossary/index.md) to learn about any of the terms used.