what they say...

"Personal Finance Management (PFM) functionality is the highest potential ROI project for retail financial institutions to implement in 2010." — Online Banking Report

"PFM can be an even more powerful retention technique than other online features, even bill payment. Why? The average user with a dozen or so payees could move their bill payment account to another bank with an hour or two of work. But with current practices, it's much more difficult, if not impossible, to move transaction history to another bank." — Javelin Strategy & Research