Yodlee User Guide PDF

Yodlee PersonalFinanceTM
Product Description
Version 12.0
Yodlee Confidential
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Copyright (c) 2013 Yodlee, Inc. All rights reserved. Technology protected by one or more
U.S. Patents or Patents Pending. Use subject to license terms. May include materials
developed by third parties. Yodlee and the Yodlee Logo are trademarks or registered
trademarks of Yodlee, Inc. in the U.S. and other countries. All other trademarks
mentioned in this document or Website are the property of their respective owners.
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Contents
About This Document . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1-1

1.1
1.2
1.3
1.4
What This Document Discusses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Who Should Read This Document. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Other Documents of Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
After Reading This Document . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2-1
2.1 Yodlee PersonalFinance Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2.2 Core Functionalities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2.2.1 Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2.2.2 Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2.2.3 Bill Reminders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2.2.4 Budget . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2.2.5 Financial Analysis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2.2.6 Yodlee Alerts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2.2.7 Yodlee Financial Calendar. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2.2.8 Yodlee FinApps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2.3 Consumer Access . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2.3.1 Single Sign On (SSO) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2.3.2 Screen Reader Compliance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2.3.3 Application Diagnostic Notifications. . . . . . . . . . . . . . . . . . . . . . . . . .
2.4 Consumer Privacy and Protection Statements. . . . . . . . . . . . . . . . . . . . . .
2.4.1 Privacy and Security . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2.4.2 How We Protect You . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1-1
1-1
1-1
1-2
2-1
2-1
2-1
2-1
2-2
2-2
2-2
2-3
2-3
2-3
2-4
2-4
2-4
2-4
2-6
2-6
2-6
Getting Started With Yodlee PersonalFinance . . . . . . . . . 3-1

3.1
3.2
3.3
3.4
Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-1
Login . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-1
Registration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-2
Getting Started . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-8
3.4.1 How It Works . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-9
3.4.2 Whats New . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-10
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3.4.3 To-Do List. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-10

3.4.4 Link an Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-11
3.5 Subsequent Access . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-11
3.5.1 Dashboard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-11
3.5.2 Yodlee FinApp Carousel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-12
3.6 Navigation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-14
3.6.1 Master Links . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-14
3.6.1.1 My Profile . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-15
3.6.1.2 Support . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-15
3.6.1.3 Home Page . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-15
3.6.2 Common Functionality . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-15
3.6.2.1 Quick Links . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-15
3.6.2.2 Help Button . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-16
3.6.3 FinApp Display and Sizing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-16
3.7 Consumer Preferences . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-17
3.7.1 Consumer Profile . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-17
3.7.2 Personal Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-17
3.7.2.1 Editing Personal Profile and Regional Settings. . . . . . . . . . . . 3-17
3.7.3 Personal Preferences . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-19
3.7.3.1 Editing Application Preferences . . . . . . . . . . . . . . . . . . . . . . . 3-19
3.7.3.2 Show Login Details in Preferred Languages . . . . . . . . . . . . . . 3-20
3.7.3.3 Cancel Yodlee MoneyCenter Account . . . . . . . . . . . . . . . . . . 3-21
Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4-1
4.1 Accounts Summary Page. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4-1
4.1.1 Account-Level Functionality. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4-2
4.1.2 Time Stamp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4-3
4.2 Account Details . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4-4
4.2.1 Account Details FinApp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4-4
4.2.2 Transactions Tab . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4-6
4.2.3 Trends Tab. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4-7
4.2.4 Holdings Tab . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4-8
4.2.5 Edit Tab . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4-8
4.2.6 Reconciling Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4-11
4.3 Accounts FinApp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4-14
4.4 Account Closure and Reopening . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4-15
4.4.1 Closed Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4-15
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4.4.2 Reopen Feature. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

4.5 Yodlee Alert Inbox . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4.6 Yodlee Trends FinApp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4.7 Real Estate. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4.8 Bill Reminder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4.8.1 Bill Reminder Page . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4.8.2 Bill Reminder FinApp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4.9 Rewards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4.9.1 Rewards Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4.9.2 Yodlee Rewards Program FinApp . . . . . . . . . . . . . . . . . . . . . . . . . .
4-17
4-18
4-19
4-20
4-24
4-24
4-25
4-26
4-26
4-28
Linking Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-1

5.1 Overview of Yodlee FastLink . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-1
5.2 Adding Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-1
5.2.1 Step 1 Locating Sites . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-2
5.2.2 Step 2 Providing Account Credentials . . . . . . . . . . . . . . . . . . . . . . 5-7
5.2.3 Step 3 Success Page . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-10
5.2.4 Adding Manual and Real Estate Accounts . . . . . . . . . . . . . . . . . . . 5-12
5.2.4.1 Adding Manual Accounts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-12
5.2.4.2 Adding Real Estate Accounts . . . . . . . . . . . . . . . . . . . . . . . . . 5-14
5.3 Editing Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-16
5.3.1 Step 1 Editing Account Credentials . . . . . . . . . . . . . . . . . . . . . . . 5-16
5.3.2 Step 2 Success Message . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-20
5.4 Updating Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-20
5.4.1 Updating a MFA Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-20
5.4.2 Updating a Non-MFA Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-23
5.4.3 Error Scenarios . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-23
5.5 Yodlee AccountVerification. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-25
5.5.1 Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-25
5.5.1.1 Verifying Accounts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-26
5.5.1.2 Yodlee AccountVerification Flow. . . . . . . . . . . . . . . . . . . . . . . 5-27
5.5.2 Initiating the Verification Process. . . . . . . . . . . . . . . . . . . . . . . . . . . 5-28
5.5.2.1 Yodlee InstantAccountVerification. . . . . . . . . . . . . . . . . . . . . . 5-30
5.5.2.2 Yodlee ChallengeDepositVerification . . . . . . . . . . . . . . . . . . . 5-32
5.5.3 Overview of Multifactor Authentication . . . . . . . . . . . . . . . . . . . . . . 5-34
5.5.3.1 MFA for the Add and Edit Account Flow . . . . . . . . . . . . . . . . . 5-35
5.5.3.2 MFA for InstantAccountVerification . . . . . . . . . . . . . . . . . . . . . 5-36
5.5.4 Consumer Privacy and Protection Statements . . . . . . . . . . . . . . . . 5-38
5.5.4.1 Privacy and Security . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-38
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5.5.4.2 How We Protect You . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

5.6 Help and Messaging . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5.6.1 Help Messages . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5.6.2 Error Messages . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5-38
5-38
5-38
5-39
Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6-1
6.1 Transactions Page . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6-1
6.2 About the Transactions Table. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6-1
6.3 Searching Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6-3
6.3.1 Basic Search Filters. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6-3
6.3.2 Advanced Search Filters . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6-4
6.3.3 Sorting and Filtering Split Transactions . . . . . . . . . . . . . . . . . . . . . . . 6-6
6.4 Adding a Manual Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6-6
6.5 Viewing and Editing Transaction Details . . . . . . . . . . . . . . . . . . . . . . . . . . 6-9
6.5.1 Editing Details of Aggregated Transactions. . . . . . . . . . . . . . . . . . . . 6-9
6.5.2 Editing the Details of Manual Transactions . . . . . . . . . . . . . . . . . . . 6-10
6.6 Categorizing Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6-11
6.6.1 Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6-11
6.6.2 Custom Categorization Rules . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6-11
6.7 Splitting Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6-13
6.8 Additional Functionality . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6-15
6.8.1 The Transactions page has links that let consumers export and print
transactions and add transactions manually. Links are also available to
reconcile transactions and set transaction categorization rules. The
links are positioned below the transactions table. Adding Manual
Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6-15
6.8.2 Exporting Completed Transactions . . . . . . . . . . . . . . . . . . . . . . . . . 6-16
6.8.3 Printing Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6-16
6.8.4 Reconciling Transactions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6-16
6.9 Transactions FinApp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6-18
Budget. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-1
7.1 Budget Page . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-1
7.1.1 Income Tab . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-2
7.1.2 Spending Tab . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-4
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7.1.2.1 Transactions Tab. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-5

7.1.2.2 Compare Spending . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-5
7.2 Yodlee Monthly Budget FinApp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-6
7.2.1 Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-6
7.2.2 Creating a Budget . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-7
7.2.3 Filtering a List Of Budgets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-9
7.2.4 Overall Budget Status Message . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-10
7.2.5 Income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7-11
7.2.6 Expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-13
7.2.6.1 Expense Categories . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-14
7.2.6.2 Budgets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-15
7.2.6.3 Recommended Budgets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-15
7.2.7 Goals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-16
7.3 Yodlee Compare Spending FinApp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-17
7.3.1 Capturing and Storing Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-18
7.3.2 Edit Location Feature of Compare Spending. . . . . . . . . . . . . . . . . . 7-19
7.4 Yodlee Save for a Goal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-20
7.5 Expense Analysis. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-20
7.5.1 Set Budget Goal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-22
7.5.2 Print Option . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-22
7.5.3 Expense Analysis FinApp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-22
7.6 Cash Flow Analysis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-24
7.6.1 Report Views . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-24
7.6.2 Transaction Drill-down from the Cash Flow Analysis Page . . . . . . . 7-25
7.7 Credit Card Utilization Report . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-26
Net Worth . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8-1

8.1
8.2
8.3
8.4
8.5
Net Worth Statement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8-1

Net Worth Performance FinApp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8-2
Assets Allocation FinApp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8-4
Liabilities Allocation FinApp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8-5
Net Worth Change FinApp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8-7
8.5.1 Net Worth Calculation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8-9
8.5.2 Charting Logic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8-10
8.6 Portfolio Manager. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8-11
8.6.1 Adding New Views. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8-13
8.6.2 Editing a Portfolio View . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8-14
8.6.3 Editing Portfolio Preferences . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8-14
Yodlee Confidential
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8.6.4 Editing Holdings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

8.6.5 Charting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
8.6.5.1 Asset Allocation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
8.6.5.2 Portfolio Performance Chart . . . . . . . . . . . . . . . . . . . . . . . . . .
8.7 Yodlee Portfolio Change FinApp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
8-14
8-15
8-15
8-17
8-18
Managing Accounts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9-1

9.1 Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
9.2 Managing Categories . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
9.2.1 Renaming Categories . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
9.2.2 Creating Subcategories . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
9.2.3 Hiding Categories . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
9.3 Account Groups . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
9.3.1 Editing an Account Group . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
9.3.2 Deleting an Account Group . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
9.4 Account Sharing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
9.5 Alerts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10
Financial Calendar . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10-1

10.1 Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10.2 Funds Transfer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10.3 Posted and Scheduled Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . .
10.4 Actual Account Balance Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10.5 Projected Account Balance Changes. . . . . . . . . . . . . . . . . . . . . . . . . . .
10.6 Adding Manual Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10.7 Edit Aggregated Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10.8 Day Panel View . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10.9 View Options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10.10 Single Day View . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10.11 Bills. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10.12 Yodlee Financial Calendar FinApp. . . . . . . . . . . . . . . . . . . . . . . . . . . .
Yodlee Confidential
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9-1
9-1
9-2
9-2
9-2
9-3
9-3
9-3
9-3
9-5
10-2
10-2
10-3
10-3
10-3
10-3
10-4
10-5
10-6
10-7
10-7
10-8
11
Support . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11-1
11.1 Customer Care . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11-1
11.1.1 Customer Care page . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11-1
11.1.2 Submitting a Service Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11-3
11.1.3 Problems Accessing an Account . . . . . . . . . . . . . . . . . . . . . . . . . . .11-4
11.2 Help FinApp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11-6
11.3 Data Integration Support . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11-7
12
Yodlee FinApp Center . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-1

12.1 Yodlee FinApps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-1
12.2 Yodlee FinApp Center . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-1
12.3 Owning FinApps. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-1
12.4 Terms and Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-2
12.5 Hosting Options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-2
12.6 FinApp Scope. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-2
12.7 Published Yodlee FinApps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-2
12.7.1 FinApp Categories . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-3
12.7.2 Yodlee FinApps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-3
12.8 Updating. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-5
12.9 Versioning . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-5
12.10 Customer Support . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-5
12.11 Consumer Use of the FinApp Center . . . . . . . . . . . . . . . . . . . . . . . . . . 12-5
12.11.1 Accessing the FinApp Center . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-5
12.11.2 Browsing Available Yodlee FinApps by Category . . . . . . . . . . . . 12-6
12.11.3 Selecting a Yodlee FinApp to See a Detailed View . . . . . . . . . . . 12-6
12.11.3.1 Viewing Yodlee FinApp Details . . . . . . . . . . . . . . . . . . . . . . 12-7
12.11.3.2 Viewing Information About a FinApp Developer . . . . . . . . . 12-7
12.11.4 Selecting a Free Yodlee FinApp. . . . . . . . . . . . . . . . . . . . . . . . . . 12-8
12.11.5 Dragging and Dropping a FinApp . . . . . . . . . . . . . . . . . . . . . . . . 12-9
12.11.6 FinApp Download Count . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-10
12.12 Purchasing FinApps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12-11
12.12.1 Buying a Yodlee FinApp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12-11
12.12.2 Viewing a History of FinApp Payments . . . . . . . . . . . . . . . . . . . 12-12
12.12.3 Returning a FinApp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-12
12.12.4 Payment Flow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-13
Yodlee Confidential
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13
Yodlee Beta . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13-1
14
Currency Conversion . . . . . . . . . . . . . . . . . . . . . . . . . . . 14-1

14.1 Currency Conversion Rate. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14-1
Yodlee Confidential
Chapter 1: About This Document
1.1
What This Document Discusses

Yodlee PersonalFinanceTM is an online banking solution that gives consumers valuable
insights into their financial behavior, activities, and goals. The application helps
consumers organize their finances by tracking transactions, reviewing expenditures, and
creating budgets.
1.2
Who Should Read This Document
Audience
Description
Of Interest?
Sponsor
The sponsor is the person who controls the

purse strings and gives final approval to
purchase the Yodlee product. The executive may
also be the person who will manage the product
at a high-level.
Yes. The document includes information,

descriptions, and details on each of the
major components in the Yodlee
PersonalFinance application.
Product
Functional
Lead
The product manager is the person in closest

contact with the Yodlee account manager (TAM).
This person is typically responsible for approving
the features/functions delivered to your
consumers.
Yes. Although this is not a technical

document, it explains how the application
should work when it is up and running.
Technical
Lead
The technical lead is the person who will

implement the Yodlee application and is the
primary point of contact with the Yodlee technical
team. The technical lead will be involved in the
behind-the-scenes integration work between the
customer and Yodlee.
Not really. It presents high-level information

thats nice to know but isnt technical.
Support
Support people keep consumers happy and work

most closely with Yodlees customer care team
to resolve issues and file bugs on their behalf
Yes. The support team at the financial

institution who works with customer service
will get a sense of the features of Yodlee
PersonalFinance as well as how customer
care teams will interact with Yodlee.
1.3
Other Documents of Interest

For more information about Yodlee PersonalFinance, refer to the following documents:
Yodlee PersonalFinance SDK Implementation Guide The Yodlee SDK

Implementation Guide provide information about various APIs that are used to write
applications or features using appropriate SDK.
Yodlee Save for a Goal Product Description Describes the features and functionality
of Yodlee Save for a Goal, a Yodlee application that helps consumers create, track,
and complete financial goals.
1-1
Yodlee, Inc. Copyright 2013 Confidential
After Reading This Document
1.4
Yodlee TaxCenter Product Description Describes each of the major components

in Yodlee TaxCenter, an option within Yodlee MoneyCenter through which a
consumer can file their taxes through H&R Block. It provides details of the partnership
between H&R Block and Yodlee.
Yodlee Standard Reports The information provided in Yodlee Standard Reports can
be used by Yodlee customers for various purposes such as market planning, knowing
customer satisfaction, improving services or conceptualizing new products/services.
Yodlee SDK Developers Guide The Yodlee SDK Developers Guide provides
software developers and business managers with a general understanding of the
features, capabilities, and implementation options available with the Yodlee Software
Development Kit (SDK).
Yodlee OS-Browser-Screen Reader Certification Guide The Yodlee OS-BrowserScreen Reader Certification Guide provides a detailed overview of the browsers/
operating systems/screen readers, supported by Yodlee and how Yodlee certifies
compatibilities.
Yodlee and Accessibility Describes the conformance of Yodlee PersonalFinance to

accessibility standards and certification procedures.
Yodlee AccountVerification Product Description Describes the features and

functionality of Yodlee AccountVerification, an account verification application that is
used to verify account ownership.
Yodlee FastLink Product Description Describes the features and functionality of

Yodlee FastLink, an application used to add and edit accounts.
After Reading This Document

Yodlee welcomes your comments and suggestions on the quality and usefulness of this
document. Please feel free to share your input with the documentation team by sending
an email to TechPub@yodlee.com
1-2
Chapter 2: Introduction
2.1
Yodlee PersonalFinance Overview

Hosted on the patented Yodlee platform, Yodlee PersonalFinance is an online banking
solution that helps consumers take control of their finances. Consumers can track
transactions, review expenditures, and set budgets. They can review their spending
patterns and stick to a budget while keeping long-term goals in mind.
Yodlee PersonalFinance is supported by Yodlee CustomerCare for account/consumer
servicing.
2.2
Core Functionalities
The core functionalities of Yodlee PersonalFinance are listed below:
2.2.1 Accounts
The Accounts module provides information related to a consumers accounts.
Features available as part of the Accounts module are as follows:
Accounts Summary provides a summary of a consumers held and held-away

accounts (external accounts). Consumers can filter a list of accounts and view
account details and account history.
Transactions Consumers can see a list of transactions associated with their

accounts.
Rewards Program Allows consumers to track rewards accounts and balances in a

single view with the ability to establish personalized alerts.
Real estate values Charts show changes in estimated home value, changes in
home equity, and the estimated value of a home compared to the estimated value of
neighboring homes. In partnership with Zillow.com, Yodlee PersonalFinance offers a
way for consumers to include the current estimated value of their homes (house or
condominium) as an asset to offset the mortgage liability and accurately represent
their net worth. Zillow's engine keeps track of home prices across the United States
and updates data frequently. Consumers can likewise keep their balance sheets upto-date and ensure that their portfolios reflect changes in the housing market. For
more details on the Accounts module, see Accounts on page 4-1.
2.2.2 Transactions
The Transactions module is a core component of Yodlee PersonalFinance and is where
Yodlee expects most consumers spend their time. The Transactions page allows
consumers to search and view transactions associated with particular account types. A
variety of filters are available to sort transactions. Consumers can categorize transactions
making it easier to budget and track expenditures. Alerts can be set for a wide range of
transactional activities and balance levels, such as large dollar transactions (debit or
credit) and low or high account balance.
2-1
2.2.3 Bill Reminders

The Bill Reminders page displays outstanding bills (eBills) that are obtained through the
Yodlee PersonalFinance service. Consumers can view ebills for payments due. The types
of ebills displayed include, for example, those for utility bills and credit card, insurance,
mortgage, and loan payments.
2.2.4 Budget
The Budget module allows consumers to set and track a budget, track spending by
category, and track savings for specific goals.
Budget The Budget module provides an interface for creating and maintaining a
personalized budget. Consumers can track spending patterns and expenses.
Consumers can set budgets in a preferred currency and receive alerts.
Spend By Category Consumers can view their expenditures in a selected category

for a selected time frame.
Save for a Goal Consumers can use this module to set up and track savings goals.
Track Budget - Consumers can track how they are doing against budget goals that
they have set for themselves on a category by category basis.
Set Budget Goals - Consumers can set budget goals for themselves in their preferred
currency and date format, and generate reports to see how the goals measure up to
the reality.
2.2.5 Financial Analysis

Yodlee PersonalFinance offers consumers a wide array of options to monitor and analyze
their finances.
Expense Analysis The expense analysis report provides a graphical representation

of data that has been categorized by the consumer or the system. A classical pie
chart is shown to give consumers a sense of how their money is being spent. This
report can be seen in a preferred currency.
Credit Card Utilization A graphical and tabular report shows the consumer each
credit card with the credit line, outstanding balance, utilization percentage, and
interest rate.
Cash Flow Analysis The Cash Flow Analysis report provides a bar chart
representation of a consumer's income versus spending and the cash remaining over
a period of time. This report also displays the average monthly or weekly net cash
flow and total net cash flow depending on which period is chosen.
Portfolio Manager The Portfolio Manager allows consumers to review their

investment portfolios by position, by account, and by holding with the current price
and market value across all financial institutions. Consumers can see their portfolio
total in a preferred currency.
Portfolio Change Consumers can see changes in their portfolio balances over time.
2-2
Net Worth Statements Consumers can track their assets and liabilities so that they
can see their overall financial picture at a glance. Consumers can see their net worth
in a preferred currency.
Net Worth Change Consumers can see the amount and percentage change in their
financial net worth. Consumers can view net worth for a subset or all of their accounts
for a selected time period.
Net Worth Performance Through charts and graphs, consumers can see how their
accounts have performed over time. Consumers can view net worth performance for
a subset or all of their accounts.
Assets Allocation Consumers can view all their active asset accounts. Asset
accounts include the current asset value and total asset value.
Liabilities Allocation Consumers can view all active accounts that represent liability
amounts against their total net worth. Liability accounts include the current liability
amount and total liability amount.
2.2.6 Yodlee Alerts

Consumers can set personalized alerts based on specific conditions. Alerts can be set for
a wide range of transactional activity and balance levels, such as large dollar transactions
(debit or credit) and low/high account balance. Alerts can be customized and delivered
from the Yodlee system or sent to the financial institution for delivery over its messaging
system. Consumers can set the date format of their choice for triggering alerts.
2.2.7 Yodlee Financial Calendar

The Financial Calendar page lets consumers view account balances, projected
balances, transactions, bills due, and scheduled and cleared fund transfers. Also,
transactions can be added, edited, or deleted manually.
2.2.8 Yodlee FinApps

Much of the core functionality of Yodlee PersonalFinance is available as Yodlee FinApps.
A Yodlee FinApp is a financial application, a specialized piece of online functionality that
enables consumers to learn, analyze, or help them make decisions about their finances.
FinApps can range from a mortgage calculator to an application that delivers offers to
consumers based on their spending. FinApps can be selected in the Yodlee FinApp
Center and downloaded from the FinApp tray to any location on any page in Yodlee
PersonalFinance. For example, the Transactions module is available as the Transactions
FinApp. A consumer can select it in Yodlee FinApp Center and drag and drop it onto the
Yodlee Dashboard for easy access.
Yodlee PersonalFinance customers can select from a variety of layouts per page where
multiple sized FinApps can be viewed. These layouts include defined zones where a
specified FinApp will appear or a drop zone for the consumer to place a FinApp of their
choice. Some Yodlee FinApps are available in a choice of sizes. A FinApp is sized
according to the drop zone in the DashBoard where the consumer places it.
2-3
Consumer Access
For a list of supported Yodlee FinApps, see Yodlee FinApp Center on page 12-1.
2.3
Consumer Access
2.3.1 Single Sign On (SSO)
To enable consumers to easily access Yodlee PersonalFinance with their existing
credentials for online banking, Yodlee encourages financial institutions to use single sign
on (SSO) technology based on the SAML standard. Using SSO can also ensure that
consumers' accounts are pre-populated and are ready for use immediately. SSO
minimizes the hassle for consumers to remember another set of credentials at their
financial institution and makes it easier to get started.
Another way of accessing Yodlee PersonalFinance without using SSO is Yodlee
EasySignOn. A consumer must reenter the user ID and password while logging into the
application. The consumer will be automatically registered in the Yodlee application and
can get started.
The time taken to implement Yodlee EasySignOn is less when compared to that for SSO.
Financial institutions implementing Yodlee EasySignOn do not need specific
infrastructure or technical expertise, unlike for SSO.
In the absence of SSO implementation, the application hosted by the financial institution
contains a link that directs consumers to the Yodlee PersonalFinance login page.
Consumers are required to complete the registration process, including providing basic
information such as username, password, and email address. Consumers are then
directed to the Yodlee PersonalFinance home page.
2.3.2 Screen Reader Compliance

Yodlee PersonalFinance is screen reader compliant. Please refer to the OS-BrowserScreen Reader document to learn which screen readers are supported. Workflows of
impacted features are noted throughout this document.
2.3.3 Application Diagnostic Notifications

Yodlee PersonalFinance displays browser upgrade and configuration notifications to
assist consumers. The diagnostic message in the notification screens helps consumers to
change their browser configuration or settings to view and take full advantage of the
application. This notification feature is switchable and the content displayed in the
notifications can be customized.
The types of notifications are as follows:
1. Browser upgrade notification The upgrade notification is displayed when the
browser used by a consumer is outdated and not supported by Yodlee. The
notification includes links to download different browsers.
2-4
Consumer Access
Fig. 2-1: Browser upgrade notification

2. Enable JavaScript notification The enable JavaScript notification provides steps to
enable JavaScript in the browser which is required for the application to function.
Fig. 2-2: Enable JavaScript notification

3. Enable cookies notification The enable cookies notification provides steps to enable
cookies in the browser; this is required to continue using the application.
2-5
Consumer Privacy and Protection Statements
Fig. 2-3: Enable cookies notification
2.4
Consumer Privacy and Protection Statements

Links to Yodlee consumer privacy and protection statements are available at the bottom
of each page of Yodlee PersonalFinance.
2.4.1 Privacy and Security

The Yodlee Privacy Policy available at the Privacy & Security link sets forth Yodlee's
commitment to protect the privacy of consumers personal information that is collected
through the Yodlee MoneyCenter service. Consumers can gather additional information
about consumer privacy and protection by reviewing the list of frequently asked
questions.
2.4.2 How We Protect You

The How We Protect You link takes consumers to information about key components of
the Yodlee security infrastructure. The link is available at the bottom of each page of the
Yodlee FastLink add account flow.
2-6
Chapter 3: Getting Started With Yodlee

PersonalFinance
3.1
Overview
This chapter provides information on:
3.2
Login and registration procedures
Getting started with Yodlee PersonalFinance
Subsequent access of Yodlee PersonalFinance
Links and navigation
Consumer preferences
Login
In the login page, consumers can register for access to PersonalFinance or sign on if they
have already registered.
Fig. 3-1: Login page
Log In
If the consumers login credentials are correct, the Yodlee PersonalFinance home
page (as configured by the consumer) will appear.
If the consumers login credentials are incorrect, the page will refresh with an error
message and the consumer will be given another opportunity to log in.
Invoke the Forgot Password feature
Consumers who have forgotten their passwords can click the Forgot Password
link to access the Password Reset feature, which will allow them to get a new
password.
Chapter 3: Getting Started With Yodlee PersonalFinance
3-1
Registration
3.3
Registration
If a consumer does not have a Yodlee PersonalFinance account, clicking the
Registration link will open the Registration page.
The consumer must fill out all the required fields on the Registration page and click
Register.
If valid values were given for all mandatory fields, the consumer will be directed to the
First User Experience process.
If an invalid value is entered in one or more required fields, the page refreshes with an
error message that indicates how to enter valid value(s).
3-2
Registration
3-3
Registration
Fig. 3-2: Registration page
3-4
Registration
The table that follows lists the consumer profile fields that may appear. If a field is
mandatory (indicated with * next to it in the application user interface), it means the
consumer must enter a valid value to complete registration. If a field is not mandatory,
consumer can leave it blank. The financial institution can choose to suppress any fields
marked as optional.
Table 3-1: Fields and Notes
Field
Notes
Username
Customer may define string value for Username as rendered on the UI
Password
Customer may define string value for Password as rendered on the UI
Re-enter Password
Consumer must enter the exact value entered for the Password field
Security Question 1
Consumer must choose from the list of questions
Answer
Consumer must provide an answer to the question
Security Question 2
Answer
Security Question 3
Answer
Select an Image
Consumer must choose a SiteVerify image
Enter a Secret
Phrase
Consumer must enter a secret phrase
First Name
Can be any string; up to a maximum of 150 characters allowed, including spaces.
Middle Name
Last Name
Address 1
Address 2
Country
Select the country from the drop-down list.
City
ZIP/Postal Code
Email Format
Select the format for email: HTML or plain text.
Phone Number
Must enter 3 strings in the xxx yyy zzzz format
Time Zone
Select the time zone.
Date Format
Select the date format from the drop-down list
Currency
Select the preferred currency
Terms
Accept Terms and Conditons.
3-5
Registration
Password Recovery Information and Yodlee SiteVerify Questions

The Security Questions panel appears on the Registration page. Consumers must
configure the security questions to complete registration.
All drop-down menus display the same set of questions. Consumers must:
Select a different question from each menu
Type in an answer for each drop-down menu selection
If an answer is not provided for a question, the Registration page will refresh with an
error message until the consumer selects two different questions and enters two
corresponding answers.
Choose Yodlee SiteVerify Image
The consumer must choose an image from Yodlee SiteVerify Images and provide a
secret phrase. The chosen image with the secret phrase will be displayed to the
consumer while logging in to Yodlee MoneyCenter account.
User Information
Consumers must provide information required for mandatory fields.
Regional Settings
The consumers must select time zone, date format, and currency options from the dropdown menus. Reports related to consumers personal finance will be provided in the
chosen settings.
Terms Section
The Terms section consists of five check boxes of which the first three are mandatory for
legal reasons in the United States:
I accept and agree to the terms of the Electronic Disclosure and Consent Statement
and consent to receive communications electronically.
I accept the Terms and Conditions of this service.
I verify that I am 13 years of age or older.
I would like Yodlee to share my information with third parties for joint marketing
purposes.
I would like to receive emails from third party vendors on behalf of Yodlee regarding
Yodlee MoneyCenter updates, information emails, and/or product announcements;
depending on the financial institutions requirements and location, the terms can be
modified.
Electronic Disclosure and Consent Statement

The consumers must accept to receive all notices and information regarding Yodlee
MoneyCenter electronically. All communications in electronic format will be considered to
be in writing. The Yodlee MoneyCenter account will be terminated if a consumer chooses
to revoke his or her consent to receive communications electronically.
3-6
Registration
Terms and Conditions Check Box

Consumers must verify that they are 13 years of age or older. By default this is checked.
If the financial institution is outside the United States, depending on that countrys
regulations and the financial institutions requirements, this check box can be removed or
the message can be modified.
An email with confirmation code will be sent to the consumers personal email address
provided during registration.
NOTE: A maximum of five email verification attempts are allowed.
After completion of registration, the consumer will be taken to the Additional Setup
page. The confirmation code should be entered to verify the email address.
Fig. 3-3: Confirmation code text box on the Additional Setup page
3-7
Getting Started
Fig. 3-4: Email address confirmed successfully

After successful verification, the consumer can access the Yodlee PersonalFinance
application.
3.4
Getting Started
The Getting Started FinApp educates consumers about all the functionality of Yodlee
MoneyCenter. This FinApp is displayed for first-time consumers as well as for consumers
who log in after an upgrade.
By default, the Getting Started FinApp is displayed as a pull-down button next to the My
FinApps tray for Yodlee MoneyCenter. It is also available as a regular FinApp in the
FinApp Center. The Getting Started FinApp is displayed with customized marketing
content and video links for a tutorial. Consumers can hide the FinApp using the Hide
Getting Started button.If the customer chooses to set the parameter ON, the FinApp is
displayed in the home page. If the parameter is OFF, then the Getting Started FinApp is
not displayed in the home page. Note that for Yodlee MoneyCenter, the parameter is ON;
it can also be customized.
If a consumer logs off with the FinApp displayed in the home page, the Getting Started
FinApp will not be displayed automatically at the next login. The FinApp is available in the
Get Started tab next to the My FinApps tray.
3-8
Getting Started
Fig. 3-5: Getting Started FinApp
3.4.1 How It Works

Consumers can take a tour of Yodlee FinApps through the How It Works tab. There is
also an option to download video.
Fig. 3-6: How It Works Tab of the Getting Started FinApp
3-9
Getting Started
3.4.2 Whats New

Consumers can view the Help FinApp, Yodlee Offers, Dashboard, FinApp Center, and the
Spending by Category FinApps from the Whats New tab. It shows information about the
features of Yodlee MoneyCenter.
Fig. 3-7: Whats New tab of the Getting Started FinApp
3.4.3 To-Do List

The To-Do List tab in the Getting Started FinApp helps consumers make full use of the
application. The tab allows consumers to view a dynamic list of activities that they can
perform in the application. The status of the list changes depending on the consumer's
current level of activity. By default, the To-Do List tab is available next to the Whats New
tab in the Getting Started FinApp.
The list of activities available in To-Do List depends on the consumers choices. If a
consumer has not opted for the Yodlee Alerts FinApp, alert related activities like Set Alert
are not available in the To-Do List. Consumers can also choose the language in which the
content of the list is to be displayed.
Each of these activities in the tab takes consumers to the respective page where they can
perform the intended task. When the consumer chooses to skip an activity, the task is
deactivated in the list and is treated as a completed activity for the consumer. Consumers
cannot activate the deactivated activities in the To-Do List. The tab also shows the
percentage of completion of the given set of activities. When all the activities in the tab
3-10
Subsequent Access
are deactivated, it indicates that the consumer has completed all the tasks. Then, the
consumer is shown a suitable marketing message.
Fig. 3-8: To-Do List tab of Getting Started FinApp

The To-Do List can be customized. If the feature is turned ON, the To-Do List tab is
displayed in the Getting Started FinApp page, otherwise it won't be available.
3.4.4 Link an Account

Consumers can link their bank, credit card, investment, loan accounts through the Link
an Account option available in the Getting Started FinApp.
3.5
Subsequent Access
3.5.1 Dashboard
The Dashboard is the default home page for consumers using Yodlee PersonalFinance
when opening the application for the first time. Consumers can view their account
balances, transactions history, alerts, bill reminders, and trends from this page.
Many major features of Yodlee PersonalFinance appear as Yodlee FinApps on the
Dashboard. A FinApp is a financial application or specialized piece of online functionality
that enables consumers to learn, analyze, or help them make decisions about their
finances. FinApps can range from a mortgage calculator to an application that delivers
offers to consumers based on their spending.
The default Dashboard view is configured by Yodlee.
The Dashboard is by default a blank page that contains multiple drop zones of varying
sizes. Financial institutions can choose to pin or unpin Yodlee FinApps to the Dashboard.
The pinned Yodlee FinApps cannot be moved or removed by consumers. They can only
be minimized, maximized, or resized. Unpinned Yodlee FinApps can be moved, resized,
or removed. Many Yodlee FinApps are available in multiple sizes. Consumers can drag a
3-11
Subsequent Access
Yodlee FinApp from the FinApp tray to the Dashboard and adjust its size to suit their
needs.
Consumers can view the FinApps tray by clicking My FinApps. They can see all pre
configured Yodlee FinApps as well as those they have added from the Yodlee FinApp
Center. Consumers can have as many Yodlee FinApps as they want on the Dashboard
page or any other main pages in the application. The same Yodlee FinApp can be added
more than once to the same page so a consumer can select a different filter and see a
different view of the details provided by the Yodlee FinApp.
Yodlee PersonalFinance remembers the re configured dashboard view and displays it the
next the consumer log on.
Fig. 3-9: An example of a Dashboard view
3.5.2 Yodlee FinApp Carousel

The Yodlee FinApp Carousel module provides a preview of the Yodlee FinApps a
consumer has acquired from the Yodlee FinApp Center. This module presents the Yodlee
FinApps in a horizontal display populated with the consumer's data to allow consumers to
preview the Yodlee FinApp before adding the FinApp to their Dashboard from their My
FinApps tray.
Consumers can scroll through the carousel to view Yodlee FinApps in a circular fashion.
And once the consumers reach the last FinApps in the carousel, the initial FinApp will
3-12
Subsequent Access
reappear. Currently the Yodlee FinApp Carousel preview displays two small-sized Yodlee
FinApps at a time. But customers can set the number of FinApps they want to display in
the carousel from one to three.
The scroll position in the carousel is represented by dots located at the bottom of the
Yodlee FinApp Carousel. The number of dots displayed in scroll bar is equal to the
number of FinApps available in the carousel. For example, if one FinApp is available in a
single column carousel, the scroll bar displays a single dot. For example, the Carousel
below shows the Alerts Inbox FinApp.
Fig. 3-10: Single-column carousel - for example, showing the Alert Inbox FinApp
Every Yodlee FinApp in the carousel is enclosed within a container, in each container
there is an icon, a name, and a direct navigation link to the corresponding page, when
available. These items within the container can be modified by the customer as permitted
in the Cobrand Deployment Kit.
NOTE: Consumers cannot drag/drop/delete any FinApp from the carousel.
By default, Yodlee FinApps are available in alphabetical order in the carousel. Note that
the customer predetermines which Yodlee FinApps are part of their implementation and
only those can be displayed in the Yodlee FinApp Carousel once the consumer
purchases or adds the Yodlee FinApp to their My FinApps tray.
3-13
Navigation
Fig. 3-11: Two-column carousel view
3.6
Navigation
Consumers can access any feature under the Accounts, Budget, FinApp Center,
Support, and Manage modules by moving the mouse pointer over, or clicking, any tab. A
drop-down list of features is then displayed. Consumers can access any feature by
clicking the respective link.
Fig. 3-12: Main menu - for example, features of Accounts are displayed in the drop-down menu
3.6.1 Master Links
3-14
Navigation
A set of links is available in the upper right of each page of the application.
For example, consumers can link their bank, credit card, investment, loan accounts
through the Link an Account option.
Fig. 3-13: Master links at the top right of application pages
3.6.1.1 My Profile
From the My Profile drop-down menu, consumers can customize the application
configuration settings, and check their email inboxes.
3.6.1.2 Support
From the Support drop-down, consumers can open a customer service request for help.
3.6.1.3 Home Page

Consumers can return to the home page from anywhere in the application by clicking the
Yodlee logo.
3.6.2 Common Functionality

Common functionality is available across the pages in Yodlee PersonalFinance.
3.6.2.1 Quick Links

A consumer can add an account using the links in the Quick Links section in pages of
Yodlee PersonalFinance, such as the Accounts Summary page.
Fig. 3-14: Example: Link an Account quick link in the Account Summary page
Clicking the Link an Account quick link opens an add account flow that enables
consumers to add aggregated accounts. The Add Manual Account quick link lets
3-15
Navigation
consumers add manual accounts (accounts whose data is not available to be aggregated
by the Yodlee system).
The Add Account link is also available in Yodlee FinApps for a consumer to add an
account. Yodlee customers can turn this functionality off or on (default is on). For details
on adding accounts, see Chapter 5, Linking Accounts.
3.6.2.2 Help Button

A Help button displayed on all FinApps and pages provides context-sensitive help on
using the features available in the page.
Fig. 3-15: Help button opens page level information
3.6.3 FinApp Display and Sizing

FinApps can be available in the dashboard or any other page in small, medium, or large
size depending on the FinApp. The size of the FinApp is determined by the drop location
chosen by the consumer. For example, if a consumer drags and drops the Accounts
FinApp into a medium size FinApp drop location on the page, the FinApp will be rendered
in medium size.
Large FinApps are core Yodlee modules that occupy all available space in a Yodlee page.
Large FinApps are accessed by selecting them from menus in the main Yodlee tabs.
Examples of large FinApps are Transaction module and Accounts module, both
accessible from the Accounts tab.
Small and medium size FinApps appear in the Dashboard and other pages as
abbreviated versions of the full-scale Yodlee modules. They offer core functionality
similar to those offered by the large version of the FinApps (modules). The consumer can
add FinApps of their choice to the Dashboard or elsewhere. Consumers have the ability
to add and remove small and medium FinApps from the Dashboard and other pages at
will.
3-16
Consumer Preferences
3.7
3.7.1 Consumer Profile
The Customize link gives consumers access to many configuration opportunities for the
Yodlee PersonalFinance application. Among the options, consumers can customize the
following links:
Personal Information
Edit Personal Profile and Regional Settings
Change Password
Change Security Questions or Yodlee SiteVerify Image
Create External Login Credentials
Accounts
Configure Alerts
Change Auto-Login Settings
Accept Sharing Offer
Personal Preferences
Edit Application Preferences
Manage Categories
Cancel Yodlee MoneyCenter Account
3.7.2 Personal Information

3.7.2.1 Editing Personal Profile and Regional Settings
Consumers can choose their preferred currency, time zone, date format, currency
notation, digit grouping, decimal symbol, digit grouping symbol, and language in the
Regional Settings section. Consumers are prompted to set their budget goals once the
currency type is chosen.
The total net worth, portfolio, bills due, transactions made, and spending and expense
analysis reports can be viewed in the chosen currency and date format.
3-17
Fig. 3-16: A sample of the Edit Personal Profile page
3-18
Once the preferred currency is changed, the budget goals are converted into the newly
selected currency. Consumers must revise their budget goals based on the preferred
currency by clicking the Revisit Set Budget Goals link.
3.7.3 Personal Preferences

3.7.3.1 Editing Application Preferences
Consumers can change the application preferences by clicking the Edit Application
Preferences link on the Customize page.
Consumers can choose any one of the following pages as the default home page:
See
Dashboard
Expense Analysis
Account Summary
Transactions
Budget
The default landing page is the page that the consumers see after logging in to Yodlee
PersonalFinance. By default, the dashboard is selected as the home page.
Consumers can choose the account display. The options are:
Account Name
Nickname
Account name display is the default setting.

NOTE: Simplified workflows are documented for some features under Recommended
for Screen Readers in some sections.
3-19
Fig. 3-17: Edit Application Preferences page
3.7.3.2 Show Login Details in Preferred Languages

Consumers can view names and field-related information about financial institutions in
their preferred languages. For instance, if a consumer selects the language preference as
French, then the names of the financial institutions are displayed in French while linking
an account through Yodlee PersonalFinance application. Appropriate messaging in the
consumers preferred language is also displayed while linking an account. If the financial
institution name or field-related information are not available in a preferred language, the
corresponding name for the same is displayed in English.
This feature is available in the following FinApps and pages in Yodlee MoneyCenter.
Link an Account
Account Summary Page and Account Summary FinApp
Net Worth Statement
Assets Allocation FinApp
Liabilities Allocation FinApp
Transactions page and Transaction FinApp
Financial Calendar and Financial Calendar FinApp
3-20
Credit Card Utilization
Portfolio Manager and Portfolio Change FinApp
Real Estate
Rewards and Rewards Program FinApp
Track Spending FinApp
Bill Reminder FinApp
Trends FinApp
Consumers can change their preferred language settings.
3.7.3.3 Cancel Yodlee MoneyCenter Account

Consumers can cancel an account by clicking the Cancel Yodlee MoneyCenter
Account link on the Customize page.
Fig. 3-18: Cancel Yodlee MoneyCenter Account page

Click Confirm to permanently delete all the accounts, account data, information, bills, and
transactions.
3-21
Chapter 4: Accounts
The Accounts module provides an overview of the consumers held and held-away
accounts (external accounts). The following views can be accessed from this module:
Accounts
Transactions
Net Worth Statement
Net Worth Change
Net Worth Performance
Portfolio Manager
Portfolio Change
Real Estate
Bill Reminders
Rewards
Fig. 4-1: Modules in the Accounts tab
4.1
Accounts Summary Page

The Account Summary page displays all accounts added by the consumer.
If a consumer hasnt yet been through the full registration process, or if the financial
institution hasnt deployed single sign on with pre-populated held accounts, the consumer
will be prompted to link an account.
The Account Summary page displays both held and external accounts (held-away)
accounts. Every financial account will be displayed along with the respective financial
institution's logo. The accounts are grouped as Banking, Credit Cards, Loans, Mortgages,
Chapter 4: Accounts
4-1
Investments, Insurance, Real Estate, Rewards, Bills, Utilities, Cell Phone & Wireless,
Phone & Long Distance, Cable & Satellite, Other Assets, Other Liabilities, and Payment
Services. Consumers can view account balances for each account as well as the total
balance for each account group.
Consumers can filter the accounts to be displayed on the Account Summary page by
selecting the appropriate option from the account group drop-down list and clicking
Show. They can select All Accounts, My Bill Pay Accounts, My Financial Accounts,
Accounts in Error, My Hidden Accounts or any custom account groups they have created.
The Account Summary page lists all the active accounts of a consumer as well as any
sites that require additional consumer set-up.
The Account Summary page enables consumers to edit, activate, deactivate, and delete
their accounts.
Fig. 4-2: An Account Summary view

A site includes a collection of several accounts that fall under a common category such as
Bank, Credit Cards, Loans, Mortgage, Investment, and so on, whereas an account is a
single entity that is associated with any site.
4.1.1 Account-Level Functionality

Available to consumers are the Go to Site/ Auto-login link for easy access to accounts
and the account update indicator that refreshes account balances.
The following icons in the FinApp page indicate:
Update - To refresh the account. Consumers can view the updated balance when
the refresh indicator has stopped. Note that the account update progress is displayed
for all accounts belonging to the site. The refresh icon is not displayed for manual
accounts. Consumers can manually refresh their accounts by clicking Update. Among
Multifactor Authentication (MFA) sites, the Q&A types of accounts for which answers
are remembered are refreshed without consumer interaction. An error appears if the
site requires consumer interaction. For MFA sites, the consumer will have to enter the
Chapter 4: Accounts
4-2
security ID or token ID to refresh the account from the Account Summary page. For
more information about multifactor authentication in Yodlee PersonalFinance, refer to
Chapter 5, Linking Accounts.
Go-to Site - Takes a consumer to the end-site
Auto Login - Automatically logs the consumer into a site.
Fig. 4-3: Account summary page displaying the icons
4.1.2 Time Stamp

Time stamp features helps consumers know when their accounts were last updated or
refreshed. The time stamp will be displayed for each account in the Account Summary
page.
The format of the time stamp is Last Updated: minute(s)/hour(s)/day(s) ago/Up-to-date.
For example, if the Last Updated field displays "2 hours ago," it means that the account
data was last updated 2 hours ago. Similarly, if the account details are up-to-date, then
time stamp for the account is shown as Last Updated: Up-to-date. Consumers can click
the Update link below the account name to update the account information.
Details about the last account update can also be seen in the Details tab that opens in the
expanded view for the account.
Customers have the option of turning the Last Updated field ON or OFF. By default, the
Last Updated field is turned ON.
NOTE: By default, the Refresh At Login (RAL) is turned ON for all consumers.
The Details tab in the Account Summary FinApp is unaffected by this Last Updated field
being turned ON or OFF for the Account Summary. There is a separate field in the Details
tab that displays the Last Update time stamp when the consumer selects an account from
the Account Summary FinApp. For more information about account details, see Account
Details on page 4-4.
Chapter 4: Accounts
4-3
Account Details
Fig. 4-4: A Time Stamp Account Summary view
4.2
Account Details
Clicking an account name in Account Summary expands to display navigation tabs
based on the account type.
4.2.1 Account Details FinApp

The Details tab displays all account details for a selected account.
Fig. 4-5: Account Details - displaying the Account Details FinApp

The Details tab view displays the Details FinApp. The information visible varies with the
type of account selected. In the Details FinApp for a banking account, for example,
consumers can see details such as the account name, account type, account holder
name, interest rate, account number, current balance, and available balance.
Table 4-1: Account Details - Table of account details for each supported account type
Account Details
Account Name
Account Types
Savings, checking, cd, 401k, money market, bill (cable & satellite, isp, utilities, cellphone
& wireless, phone & long distance), card, loan (mortgage), insurance, investment, real
estate, rewards, other assets and liabilities
Chapter 4: Accounts
4-4
Account Details
Account Details
Account Types
Account Holder
Savings, checking, cd, 401k, money market, bill (cable & satellite, ISP, utilities, cellphone
& wireless, phone & long distance), card, loan, insurance, investment, real estate,
rewards
Account Number
and wireless, phone & long distance), card, loan, investment, rewards
Account Nickname
and wireless, phone & long distance), card, loan, insurance, investment, real estate,
rewards, other assets and liabilities
Account Type
and wireless, phone & long distance), card, loan, insurance, investment
Address
Real estate
Amount Due
Bill (cable & satellite, ISP, utilities, cellphone and wireless, phone & long distance), loan,
insurance
Annual Percent
Rate (APR)
Card
Annual Percent
Yield (APY)
Savings, checking, cd, 401k, money market, card
As of Date
Savings, checking, 401k, money market, card, insurance, investment, real estate,
rewards
Available Balance
Savings, checking, 401k, money market
Available Cash
Card
Available Credit
Card
Balance
Rewards
Bill Due Date
Bill (cable & satellite, ISP, utilities, cellphone and wireless, phone & long distance)
Current Balance
Savings, checking, 401k, money market, card, other assets and liabilities
Description
Loan
Due Date
Card, loan
Expiry Date
Rewards
Home Value
(Balance)
Real estate
Interest Rate
Savings, checking, cd, 401k, money market
Last Payment Date
Bill (cable & satellite, ISP, utilities, cellphone and wireless, phone & long distance), card,
insurance
Last Payment
Amount
Bill (cable & satellite, ISP, utilities, cellphone and wireless, phone & long distance), card,
insurance
Chapter 4: Accounts
4-5
Account Details
Account Details
Account Types
Last Updated
and wireless, phone & long distance), loan (mortgage), card, insurance, investment,
rewards, other assets and liabilities
Maturity Date
CD only
Maturity Amount
CD only
Minimum Amount
Due
Bill (cable & satellite, ISP, utilities, cellphone and wireless, phone & long distance)
Pay Off Amount
Loan
Policy Number
Insurance
Premium Amount
Insurance
Principal Balance
Loan
Statement Balance
Card
Term
Bank (CD only)
Total Balance
Investment
Total Cash Limit
Card
Total Credit Limit
Card
4.2.2 Transactions Tab

From the Transactions tab, consumers can view transactions based on the selected filter
criteria such as category, duration, tag, date range, amount, or number of transactions,
and search on transaction description. This view is similar to that of the Transactions
page and, in addition to many of the same features provided by the Transaction page,
provides the ability to reconcile transactions.
Chapter 4: Accounts
4-6
Account Details
Fig. 4-6: Account Summary page - Transactions tab
4.2.3 Trends Tab

In the Trends tab, consumers can view account balances over time. Data is displayed in
a chart or table. The chart or table can be displayed based on the duration filter.
Consumers can choose to view balances based on daily, weekly, or monthly data.
Fig. 4-7: Account Summary page - Trends tab
Chapter 4: Accounts
4-7
Account Details
4.2.4 Holdings Tab

The Holdings tab is displayed only for investment accounts. In this tab, consumers can
view details about their holdings such as symbol, description (name of the security),
quantity, price and market value. They can also view their cash, short balance, and
margin balance.
Fig. 4-8: Account Summary page - Holdings tab
4.2.5 Edit Tab

In the Edit tab, consumers can modify account details like account nickname, memo,
visibility, transaction category, and site username and password. For MFA sites, a
consumer must enter the security ID or token ID to edit the account. For details, refer to
Editing Accounts on page 5-16.
In the Edit tab, consumers can perform following actions for an account:
Tag transactions as Business, Tax Deductible, Medical, or Reimbursable
Set transactions to a desired category, apply a category to all past transactions
Include the required transactions in net worth calculation
Fig. 4-9: Account Summary Edit tab
Chapter 4: Accounts
4-8
Account Details
The Actions field in the Edit tab includes the following options:
Edit Credentials
Reconcile Account
Share Account
Close Account
Delete Account
Edit Account Credentials

A consumer can edit the credentials of a site by clicking Edit Credentials in the Edit
page. The user ID and password fields appear in the Edit Account page (Figure 5-20).
Any security questions and answers are masked. The consumer updates the credentials
in the floater and clicks Update. Consumer provided credentials are verified by a refresh
triggered to the site.
NOTE: In the Edit Accounts page, a consumer can view credentials in clear text by
clicking Show Credentials and providing the customers (the consumers
financial institution) application password.
NOTE: For more details on editing account credentials, see Editing Accounts on page 516.
Reconcile Account
A consumer can reconcile the account with other accounts that have been added in the
application by using the Reconcile Account option in the Edit tab. For more information
about reconciling accounts, see Reconciling Accounts on page 4-11.
Share Account
An account the user has added can be shared with another user of Yodlee MoneyCenter
by using the Share Account option in the Edit tab. For more information about sharing
accounts, see Account Sharing on page 9-3.
Close Account
Consumers can close the account in Yodlee MoneyCenter using Close Account option
available in the Edit tab. Clicking the Close Account button closes the account in the
Yodlee system and Yodlee will no longer trigger refreshes for the account. Once the
account is closed by the consumer, the Reopen Account option will be available and the
Close Account option will be removed. For more information about closing and
reopening an account, see Account Closure and Reopening on page 4-15.
Delete Account
A consumer can delete an account in the Edit tab. Consumers cannot delete a site, but
can delete an account within a site. If the consumer deletes all accounts in the site, the
Chapter 4: Accounts
4-9
Account Details
site is deleted automatically and the site is removed from Yodlee PersonalFinance
completely. The consumer cannot access the login information, transactions, or historical
information if the account is deleted. The consumer must add the site again.
Visibility
In the Edit tab, consumers can hide an account and the account gets deactivated. Once
the account is hidden, it will no longer appear in the application, and will not be included
in net worth calculations, but the historical data and login information will be saved.
Consumers can view the hidden accounts by selecting My Hidden Accounts from the
filter in the Account Summary page. A hidden account is not refreshed.The credentials
and other account-related information continue to be stored for a deactivated account.
Consumers can make visible a hidden account in the Edit tab in the Accounts Summary
page. Because the account credentials and other related information are stored, they
need not add the account again. On changing the visibility to Show, the account will be
refreshed periodically. The account can also appear in net worth calculations if the
consumer chooses to include it.
Editing a Manual Account
To edit a manual account, a consumer opens the Edit tab for the manual account and
updates the detail fields. They can edit details such as account name, nickname, memo,
account number, and current balance, amount due, frequency (of payment), balance
currency, next due date, and account group.
Fig. 4-10: Editing manual accounts Account Summary Edit tab

Editing Real Estate Account Information
Real estate accounts added by a consumer can be edited in the Edit tab. In the Edit tab,
a property value can be calculated manually or automatically. Consumers must provide a
valid street address, city and state, or a ZIP code for aggregating real estate accounts.
Yodlee retrieves the home value from Zillow.com upon verifying the address the
consumer entered.
NOTE: For information about adding real estate accounts, see Real Estate on page 420.
Chapter 4: Accounts
4-10
Account Details
Fig. 4-11: Edit tab Editing a real estate account

Consumers must manually add accounts for real estate with addresses not supported by
Zillow. In this case, to edit a real estate account, consumers must update the property
value and currency manually in the Edit tab.
Fig. 4-12: Edit tab Editing a manually created real estate account
Mortgage accounts already linked to the real estate account can be edited using the Link
Mortgage Accounts field.
4.2.6 Reconciling Accounts

Yodlee PersonalFinance allows consumers to manually reconcile accounts that are
duplicates. Reconciling accounts is required in one of the following situations:
If a consumer adds an account twice
If a consumer has added a manual account and later added the same as an
aggregated account
If a consumer decides to migrate accounts such as accounts migrated from MS

Money
A consumer can reconcile an account in the Account Summary of the Accounts module.
The consumer selects an account and finds the Reconcile this account link in the
Advanced tab. Clicking the link displays the image that follows.
Chapter 4: Accounts
4-11
Account Details
Fig. 4-13: Example showing a duplicated savings account

The consumer can select the duplicate account and take the appropriate action.
Consumers can either merge two aggregated accounts, two manual accounts, or a
manual account with an aggregated account of the same account type.
Account duplication is a rare occurrence so consumers are asked to verify if the accounts
are duplicates before merging them. Consumers can either decide not to merge accounts
or go ahead with the operation.
Fig. 4-14: An example of reviewing duplicate accounts before merging

The accounts in this example are successfully merged.
Chapter 4: Accounts
4-12
Account Details
Fig. 4-15: Example showing accounts successfully merged

Conflict Resolution and Data Reconciliation
When two accounts are merged, the data is reconciled as per certain rules set by Yodlee.
Transactions
The following rules will be applied in reconciling data of merged transactions:
If both transactions are categorized by the Yodlee application, then the final merged
transaction will retain the latest categorized transaction name.
If both transactions are categorized by the consumer, then the final merged
transaction will retain the latest categorized transaction name.
If one transaction is categorized by the consumer and the other by the Yodlee
application, the final merged transaction will retain the consumers categorized
transaction name.
If only one transaction of the two is categorized, then the final merged transaction will
retain the categorized transaction name.
Net Worth, Bill Reminders, and Portfolio Manager

The following rules will be applied in reconciling the data of merged accounts for Net
Worth, Bill Reminders, and Portfolio Manager:
If both the merged accounts (source and destination) are included for calculating Net
Worth, Portfolio Manager and set for Bill Reminders, then the destination account will
remain included.
If one of the merged accounts is included for calculating Net Worth, Portfolio Manager
and set for bill reminders, then the destination account will remain included.
If none of the merged accounts (source and destination) are included for calculating
Net Worth, Portfolio Manager and set for bill reminders, then the destination account
will remain excluded.
Chapter 4: Accounts
4-13
Accounts FinApp
NOTE: If a consumer wants to merge account X with account Y, then account X is the
source account and account Y is the destination account.
Alerts
The following rules will be applied in reconciling data of merged accounts for setting up
alerts:
If both merged accounts (source and destination) are configured for alerts, then the
destination account will have the combination of all the alerts.
If a same alert is set up for both accounts with different threshold values, then the
alert with threshold value set for destination account takes precedence.
Net Worth Type (Asset/Liability)

The following rules will be applied in reconciling data of merged accounts as per Net
Worth base type:
If both merged accounts (source and destination) are marked either Asset or
Liability, then the destination account will remain same
If the source account is marked as an Asset and the destination account as Liability,
then the final merged destination account will retain the default container type
When two accounts are merged, the Yodlee application recalculates the historical
account balances (data points) daily, weekly, or monthly to ensure that the account
balances are completely synchronized with the transaction register.
4.3
Accounts FinApp
The Accounts FinApp lists a consumers banking sites and associated transaction
amounts. Consumers can select an account group or individual account from the
accounts drop-down.
The FinApp is provided by default in the Yodlee Dashboard. It is also available in Yodlee
FinApp Center. Consumers can drag the FinApp to any location on the Dashboard. The
FinApp is available in medium and small size depending on where the consumer decides
to position it on a page in Yodlee MoneyCenter.
The following additional functions are available in the Accounts FinApp.
Add Account Consumers link an account through the add account flow. This
functionality is customizable and customers can turn it off. Default is ON.
Setting Icon A link that opens the Account Summary page where a consumer can
manage accounts (errored accounts, password, etc). For details on managing sites
and accounts, see Account Sharing on page 9-3.
Alerts The page contains an alert settings link that takes consumers directly to the
Manage Alerts page where they can set up alerts. The alert setting link is optional and
customers can turn it off for their consumers. The default is ON.
Chapter 4: Accounts
4-14
Account Closure and Reopening
Fig. 4-16: Yodlee Accounts FinApp
4.4

4.4.1 Closed Accounts
Consumers can view the historical information of all their past transactions through the
closed accounts functionality. It facilitates information related to transactions and account
balance trends for accounts already closed with financial institutions. The closed account
functionality is restricted to the following in Yodlee PersonalFinance.
Bank
Loans
Bill Payment
Rewards
Mortgage
Credit Cards
Investments
Insurance
Consumers are prompted to take appropriate action to confirm account closure with
relevant messaging.
Chapter 4: Accounts
4-15
Fig. 4-17: Account Closure Confirmation required message

Clicking the appropriate link from the message displays the message and options as
follows:
Your account with <SUM_INFO> seems to be closed. If your account is not closed, then
please choose one of the following options
Leave account as active
Reconcile this account
Close this account
Consumers are warned if they decide to close an account.

Before closing an account, consumers are required to provide details about the remaining
balance of the account. The following options are available to provide the details.
Transferred to another account
Paid off my loan
Other (consumers must add a memo if they choose this option)
For the other option, consumers must provide a customized memo.
Chapter 4: Accounts
4-16
Fig. 4-18: Account closure confirmation message

Transaction is marked cleared for a closed account with the following description.
System generated transaction to set zero balance for <Account Name>.
With the closed account feature is turned ON, closed accounts are displayed as active.
When the feature is turned OFF, closed accounts cannot be accessed. The closed
account feature is turned OFF by default. But for Yodlee MoneyCenter, the feature is
turned ON.
When an account is in error because it could not be found at the financial institution site,
the account remains in the ACTIVE status for a configurable number days. By default, the
account stays in the ACTIVE status for five days. After the set number of days has
passed, the account goes into the TO_BE_CLOSED status, at which point the consumer
is prompted to take the appropriate action (whether to close the account, leave it as
active, or reconcile).
4.4.2 Reopen Feature

The Reopen Account feature helps reopening accounts that might have been accidentally
closed. The Reopen button is displayed only for consumers who opted for the closed
account feature. The Reopen option is available only for those accounts whose status is
marked as closed in the Edit Accounts FinApp.
Clicking the Reopen Account button marks the account to be closed. Based on the
account reconciliation rule, the consumer can take the appropriate actions. They can
activate the closed account, reconcile the account with any other account, or close the
account again. Since cache and instant refreshes are enabled for an account in the to be
closed status, account can be reactivated. If the account is reactivated, a system
generated transaction representing zero balance (if added earlier) for the closed account
is deleted automatically.
Chapter 4: Accounts
4-17
Yodlee Alert Inbox
4.5
Yodlee Alert Inbox

Yodlee Alerts Inbox FinApp displays alerts generated in response to account activities.
Consumers configure alerts in the Configure Alerts page. (For information on
configuring alerts, see Alerts on page 9-5). Consumers can drag the Alerts Inbox FinApp
from My FinApps tray and view it on any page of the application. They can also move,
resize, or remove this FinApp. The Alerts Inbox FinApp is available in medium size or
small size depending on the drop zone in which it was placed by the consumer.
Consumers can mark alerts as read by clicking the respective check box and selecting
Mark as Read from the drop-down menu. All the Mark as Read alerts eventually move to
the Read section of the Alerts Inbox. These alerts can again be viewed by selecting the
Read option from the Show Alerts menu. Consumers can delete alerts by clicking the
check box next to the alerts they want to delete and selecting the Delete option from the
drop-down menu. A message appears asking the consumer to confirm the delete action
on an alert.
The Add Account (plus sign) link is available in all FinApp sizes for the consumer to add
an account.
The Alerts (bell icon) link opens the Alerts Manager for consumers to make changes to
alerts associated with an account.
Fig. 4-19: Yodlee Alert FinApp

If no accounts have been added, the FinApp appears with the Add Account link.
Chapter 4: Accounts
4-18
Yodlee Trends FinApp
Fig. 4-20: Alert Inbox indicating no accounts have been added

If no data could be displayed, the Alert Inbox appears as follows.
Fig. 4-21: Alerts Inbox Indicating there is no data to display
4.6
Yodlee Trends FinApp

Yodlee Trends FinApp allows consumers to view their account balances over time. This
FinApp is embedded in the Account Summary and can be accessed from the My FinApps
tray. Consumers can drag the Trends FinApp from My FinApps tray and view it on any
page of the application. They can also move, resize, or remove the Trends FinApp. The
FinApp is available in small and medium size, depending on the drop location selected by
the consumer.
The Trends FinApp can be displayed in chart or grid views. Consumers can view the
Trends FinApp based on weekly or monthly balance filters. Consumers can choose
among 1 week, 2 weeks, 1 month, last 3 months, last 6 months, last 12 months, this
week, last week, this month, last month, this year, last year. Consumers can select All to
view all their account balances.
The Add Account button is available for consumers to link a new account.
Chapter 4: Accounts
4-19
Real Estate
The Alerts button takes consumers directly to the Manage Alerts page where they can
set up trends alerts.
Fig. 4-22: Yodlee Trends FinApp
4.7
Real Estate
Consumers can add their estimated home value by using the Zillow.com engine that
keeps track of home prices across the United States. By supplying an address and ZIP
code, Zillow will return an estimated home value based on local data. Consumers can
also manually enter the home's value.
Chapter 4: Accounts
4-20
Real Estate
Fig. 4-23: Adding the value of a home

After adding the home value the consumer is given the option to link the mortgage
account related to the house. If there is no mortgage linked to the home the consumer
can choose the All Paid off option on this page.
On adding the home value account the consumer will see the following views of the home
value account:
Home Equity Chart (default page)
Home Value Change
Compare Your Home with Others
Chapter 4: Accounts
4-21
Real Estate
Fig. 4-24: An example of a home equity chart

Consumers who want to see the change in their home's value will see a chart resembling
the figure that follows.
Chapter 4: Accounts
4-22
Real Estate
Fig. 4-25: Graphical display of the market value change of a home

Consumers can enable email alerts when the home value changes in increments of 1, 3,
5, 7, or 10 percent, depending on their preference.
To see how a home's value compares to other homes in the neighborhood by leveraging
information available in the public record, a tabular display puts the consumer's home in a
list of homes with the same ZIP code.
For information about editing a real estate account, see Edit Tab on page 4-8.
Chapter 4: Accounts
4-23
Bill Reminder
Fig. 4-26: A neighborhood comparison of home values
4.8
Bill Reminder
The Bill Reminder feature displays outstanding bills that are obtained through the Yodlee
PersonalFinance service. The types of bills displayed include, for example, those for
utility bills and credit card, insurance, mortgage and loan payments.
4.8.1 Bill Reminder Page

Consumers access the Bill Reminder page by selecting it from the Accounts drop-down
in the main menu. The following attributes are available for display for each bill: status,
payee name (under the Bill column), due date, payee favicon associated with the
account, account name, minimum payment due, total amount due, total minimum amount
due, and payment status (only applicable for bills from external payment services). Other
bill payment services like a Harris Bank Billpay account can be displayed in the External
Bill Payment Services section.
Consumers can see their total amount due and total minimum amount due in the chosen
currency. The date format can also be changed. In Figure 4-27 the consumer has chosen
US dollars as the preferred currency and dd/mm/yyyy as the preferred date format.
Chapter 4: Accounts
4-24
Bill Reminder
Fig. 4-27: Bill Reminders view

Consumers can mark a bill as paid by clicking the Mark as Paid link in the Bill column.
They can choose the method of payment from the Mark as paid by pop-up window. After
a bill is marked as paid, it will no longer appear in the Bill Reminders page.
Add Biller Launches the add account flow that allows consumer to add accounts.
For details, refer to Linking Accounts on page 5-1.
Settings Opens the Account Summary page where consumers can choose the
accounts that the Bill Reminders module will display.
Alerts Let consumers configure alerts for an account in the Configure Alerts page.
For details, refer to Alerts on page 9-5.
Business Rules Pertaining to Bill Reminders

The following rules are applied in displaying bill reminders
Only one bill for each biller is displayed
If a bill due exceeds the maximum number of days set, it will cease to appear in the
reminders list if the biller issues a new bill. However, if a new bill is not issued the old
bill will continue to appear in the reminders list till it is marked as paid by the
consumer.
A paid bill ceases to appear on the list.
A manual account bill ceases to appear on the list when the calculated due date is
more than the maximum number of days set, and will be replaced by the new bill with
the calculated due date.
4.8.2 Bill Reminder FinApp

Bill Reminder is also available as a small Bill Reminder FinApp in Yodlee FinApp Center.
Consumers can drag the FinApp to any location on the Dashboard.
Chapter 4: Accounts
4-25
Rewards
The Bill Reminder FinApp provides the same functionality as in the large size Bill
Reminder page.
Fig. 4-28: Bill Reminders FinApp

When the FinApp loads and a consumer has not added any accounts for eBills can be
enabled, a data state message appears allowing them to add an account.
If no data is available for the selected criteria a no data state message is displayed. The
consumer can adjust the filter selections to access data. The message is also displayed
when the consumer has added the account but there are no bills for the added account or
the marked bills have already been paid.
NOTE: The No Data State message can be customized and can also be turned on or off
(that is, it has an ON/OFF switch). If a consumer turns it on, then the above
mentioned message is displayed. If it is turned off, the No data to display
message is displayed.
By default, the No Data State message for the Bills Reminder page is turned off.
However, for Yodlee MoneyCenter, the message is turned on.
4.9
Rewards
Yodlee Rewards shows consumer's aggregated rewards accounts that are associated
with their credit cards, frequent flyer programs, hotel and car rental points. Consumers
get a consolidated view of each account they have linked to Yodlee MoneyCenter and the
latest balance. Yodlee Rewards is available as Rewards Manager in the Accounts tab and
as the Rewards Program FinApp in the Yodlee FinApp Center.
4.9.1 Rewards Manager

If no rewards accounts have been added when a consumer opens Rewards Manager, the
consumer has the opportunity to add a rewards account. Clicking Add Account starts the
add account flow.
Chapter 4: Accounts
4-26
Rewards
Fig. 4-29: Rewards Manager Adding a Rewards account

The Rewards Manager provides consumers a view of the rewards accounts theyve
added along with account numbers and reward point balances in each of these accounts.
Consumers can click an individual account name to view its details.
Fig. 4-30: Sample view of the Rewards Manager

Consumers can choose to customize the accounts that the Rewards Manager module
displays by clicking the Edit Rewards Manager Preferences link.
Consumers must select accounts that are to be displayed and click Update Settings for
changes to take effect.
The Rewards page lets consumers:
Link other rewards accounts - lets consumers add other rewards accounts from the
Add Account page. For details, refer to Linking Accounts on page 5-1.
Set alerts for rewards accounts - helps consumers to set alerts for their rewards
accounts from the Configure Alerts page. For details, refer to Alerts on page 9-5.
Chapter 4: Accounts
4-27
Rewards
4.9.2 Yodlee Rewards Program FinApp

Consumers can drag the Rewards Program FinApp from the My FinApps tray and view it
on any page of the application. They can also click an account and view the rewards point
balance in the Rewards module. The Add Account link is available for consumers to add
rewards accounts. The Alerts Settings link takes them directly to the Manage Alerts page
where consumers can set alerts for their rewards accounts. The full set of functionality is
available in any FinApp size (small and medium).
Fig. 4-31: Yodlee Rewards Program FinApp - medium size
Chapter 4: Accounts
4-28
Chapter 5: Linking Accounts
5.1
Overview of Yodlee FastLink

Yodlee FastLink is an application that provides add account and edit account
functionality in Yodlee PersonalFinance and personal finance implementations that use
the Yodlee SDK. Yodlee AccountVerification is included with Yodlee FastLink to provide
account ownership verification. This document describes the add account and edit
account flows provided by Yodlee FastLink and the account verification flow provided by
Yodlee AccountVerification.
Yodlee FastLink lets consumers add accounts held at their financial institutions.
Consumers add their accounts by searching for the online banking site of a financial
institution and entering the login credentials for the account held there. Consumers can
add savings, checking, investment, credit card, and insurance account types to name a
few. Yodlee FastLink also provides an edit account flow that allows consumers to edit the
login credentials for their online accounts.
Yodlee FastLink includes Yodlee AccountVerification, a process that prompts consumers
to verify ownership of accounts at held away sites.
Yodlee FastLink provides a successful add account experience for consumers by
capturing the entire set of credentials required to access their accounts, including user
name, password, and authentication mechanisms such as answers to questions and
tokens.
The add account experience offered by Yodlee FastLink provides consumers:
A way to search and browse for sites
A list of suggested sites based on a consumer's transactions
Help messages to guide the consumer during the capture of credentials
Positive reinforcement upon task completion
Continuous updates to capture any changes in authentication requirements at end

sites.
Yodlee FastLink is built primarily for customers who use the Yodlee SDK in their custom
online banking solution. Consumers using a Yodlee SDK implementation launch the
Yodlee FastLink through a link provided in the custom application.
5.2
Adding Accounts
Consumers can link accounts held at sites that are recognized and searchable by Yodlee
FastLink.
For linking an account, Yodlee FastLink takes the consumer through the following steps:
Step 1 Locating sites
Step 2 Providing account credentials
5-1
Adding Accounts
Step 3 Add account process status
5.2.1 Step 1 Locating Sites

The Add Accounts page is the landing page of FastLink and is where consumers can
view a list of previously added sites and locate sites they would like to add. Consumers
access the Add Accounts page through add account links available throughout the
interface.
In an SDK implementation, a consumer navigates to the add account credentials flow via
provided links.
Fig. 5-1: Add Account landing page Step 1 locating sites to add
NOTE: Consumers can view Yodlee privacy and security statements and information
about consumer protection at the Privacy & Security link and How We Protect
You link at the bottom of the Add Accounts page. For more details on Yodlee
privacy and security and consumer protection, see Consumer Privacy and
Protection Statements on page 5-38.
The Added Accounts list located on the right side of the Add Accounts page contains
accounts either in the process of being added or already added. A status indicator
appears next to accounts that are in the process of being added. Accounts appear in
descending order of most recently added (most recently added on top). Mousing over an
account listing displays the account number in masked format (for example, xxxx567).
The Added Accounts list is empty prior to any accounts being added and populates as the
consumer adds accounts. This list does not contain manually added accounts.
5-2
Adding Accounts
NOTE: If the list exceeds the maximum height of the floater, the consumer can view all
accounts by using the See all added accounts link.
Consumers can search for sites using a variety of methods.
Popular Accounts By default, the Add Accounts page displays a list of supported
financial institutions in the Popular Accounts section. The names of the financial
institutions are listed in decreasing order of popularity (most popular on top). The
popularity of a site is determined by the number of consumers who have added it. The
greater the number of site adds, the higher the popularity of the site. Consumers can
select the financial institution from which they want to add an account. Yodlee
customers have the option of displaying or hiding the Popular Accounts section and
configuring the sites that appear to consumers as most popular. Customers can also
configure the heading of the Popular Accounts section.
Fig. 5-2: Search accounts search by popular accounts

The list of most popular sites is maintained by country or region. This is because a site
popular in one country or region might not be popular in another.
Suggested Accounts Suggested sites are listed in the Suggested Accounts

section of the Add Accounts page and are suggested based on an analysis of a
consumers transactions. For example, if a consumer makes transactions in an
account at a particular bank (for example, Wells Fargo) that is recognized by the
Yodlee system and the account has not yet been added, the display name (in this
case, Well Fargo) appears in the Suggested Accounts list. This section appears after
the consumer has added some sites and some transaction history has accumulated
in the consumers account. The consumer can add an account by clicking a site name
in the suggested sites list and following the link account flow.
5-3
Adding Accounts
Fig. 5-3: Add Accounts page Suggested sites section
Free Form Text Search A consumer can find a site by entering the name of a
financial institution in the search text box. The consumer can type a name, keyword,
or aka. By default, the types of accounts that can be searched are shown in the field:
bank, credit card, investment, insurance, and so on. Typing over the default text in the
search field displays a drop-down list of matching site display names of financial
institutions a consumer might be interested in. The sites are displayed according to
the matching percentage, that is, the exact match first and then the closest matches,
sorted by popularity. Selecting one of the site display names opens Step 2 of the add
account flow where consumers provide account credentials. (See Step 2 Providing
Account Credentials on page 5-7.)
NOTE: If no results are returned, appropriate messaging advises consumers to check

spelling and try the search again.
5-4
Adding Accounts
Fig. 5-4: Search accounts Text search

Entering search criteria and clicking Search next to the search field brings up search
results in one or both of the following areas of the Add Accounts page.
Common Accounts Contains the top N most common sites corresponding to

consumer input. Customers can configure the maximum number of most common
sites displayed.
Matching Results Consumers see the remaining sites. Note that if the search
returned only one or two results, they will appear under Common Accounts and none
will be displayed in Matching Results.
NOTE: When a consumer uses the Search button, the Common Accounts and Matching
Results lists replace the Popular Accounts (and Suggested Accounts list, if
applicable.)
5-5
Adding Accounts
Fig. 5-5: Add Accounts Clicking Search shows the most common accounts and remaining
matching sites
A favicon appears next to each of the individual site display names listed in the Add
Accounts page. A sites base URL is displayed as a tool tip when the consumer hovers
over the site display name. Clicking a site display name takes the consumer to Step 2 in
the add account process where they can enter account credentials.
Sibling Sites and Shared Sites
Search results can include sibling sites and shared sites. These sites appear as separate
entities.
Sibling sites are sites that have different credentials to access the different types of
accounts but belong to the same financial institution. These sites are considered
different entities and are displayed accordingly. During a search, consumers must
choose them individually and add their respective accounts. For example, if a
consumer has a credit card account and savings account and if the financial
institution offers two sites to access them, both these sites are displayed while the
consumer searches the site using a common keyword, name, or aka. The consumer
must choose them individually to get the accounts added.
Shared sites are sites that belong to the same financial institution and have the same
user credentials but manage different accounts. Consumers shared sites are added
in the background while choosing the site of the financial institution. For example, if a
consumer has the same online banking credentials for his or her savings and credit
card accounts, the credit card account and the savings account are automatically
added while linking the site. Such accounts are marked as shared accounts.
5-6
Adding Accounts
5.2.2 Step 2 Providing Account Credentials

In Step 2, account holder authentication takes place. Consumers enter the same online
credentials they use to log in to their accounts. Consumers can select to show or hide
typing.
Fig. 5-6: Add Accounts - providing login credentials

If a consumer does not remember their login credentials, they can use the I dont know
my sign in for this account link to access the site and retrieve the login credentials.
A consumer enters valid information in the fields in the Add Accounts page and clicks
Add. While validation is taking place, a progress page appears telling the consumer that
their security information is being verified. The progress page shows the Yodlee
MoneyCenter logo and the logo of the financial institution (if available). Note that the
MoneyCenter logo will not appear in customer deployments.
5-7
Adding Accounts
Fig. 5-7: Add Accounts security verification message

In the event of an error in the add account process an appropriate message appears to
help consumers solve the problem and complete the add account process successfully.
For example, a credential re-verification request appears if a consumer enters incorrect
login credentials. Error messages address a wide variety of error conditions. For details
on message types, see Error Messages on page 5-39.
Fig. 5-8: Add Accounts - error message - credential re-verification required

If a site requires additional security information, a message appears letting the consumer
know that additional (challenge) information is being retrieved.
5-8
Adding Accounts
Fig. 5-9: Add Accounts - retrieving additional information

When Yodlee receives the challenge information a page appears with MFA (multifactor
authentication) fields for the consumer to fill out.
Fig. 5-10: Add Accounts Consumers complete challenge information - MFA question/answer
MFA can consist of question/answer, token, CAPTCHA, or security key. The consumer
may receive multiple levels of challenge questions. For example, the consumer may be
asked to provide answers to questions, type in a security key, or provide other types of
information that identify the consumer. For more details about MFA sites and
requirements, see Overview of Multifactor Authentication on page 5-34.
If no additional challenge information is required, no messages regarding additional
challenge information are shown.
After all security information is entered correctly, a status page appears letting the
consumer know that their data is being gathered.
5-9
Adding Accounts
Fig. 5-11: Add Accounts progress message Information is being gathered

Customers can choose not to show their consumers the logo of the financial institution
being added. Whether or not to show the logo is controlled through a key. If showing the
logo is turned off, only the name of the financial institution is displayed as plain text in the
login screen and other related pages.
5.2.3 Step 3 Success Page

While account details are being gathered the consumer sees the message This may take
a few moments but you can add more accounts or view all you've added.
While account details are being retrieved (as indicated by a spinner icon), the consumer
can take other actions such as:
Add Other Accounts
The Add Accounts link returns the consumer to the Yodlee FastLink landing page to
search for more accounts to add.
View Accounts
After an account is linked, the View Accounts button becomes available (Yodlee
MoneyCenter only). Clicking the button takes consumers to the Account Summary page
in Yodlee PersonalFinance where the account is listed. For more information, see the
Yodlee PersonalFinance Product Description. In SDK implementations, a link can be
configured for the Accounts Successfully Added page that takes a consumer to a URL
specified by the customer.
Related Activities
In Yodlee MoneyCenter, links are available for consumers to perform related activities
that use the data of the accounts theyve added (not available in SDK implementations).
The activities are:
Transactions Takes consumers to the Transactions FinApp where they can view
transactions made in their accounts.
Save for a Goal Allows consumers to set up a financial goal using the Yodlee Save
for a Goal FinApp.
Make a Budget Takes consumers to the Budget page where they can create a
budget.
Track Spending Lets consumer view spending statistics in the Track Spending
FinApp.
5-10
Adding Accounts
Fig. 5-12: Account Successfully Added page - appears after the consumer commits the add
account action
If the process of gathering details for some accounts are complete and one or more of the
accounts are in progress, a consumer sees the message, This may take few moments
but you can add more accounts or view all you have added.
Fig. 5-13: Account Successfully Added page - appears if gathering details of one or more accounts
is in progress
If the process of gathering account details is complete and one or more of the accounts
ends in error, a consumer sees the message We have successfully gathered your
accounts details, but one or more of your accounts failed. Please click View Accounts for
details.
5-11
Adding Accounts
Clicking the View Accounts link opens the Account Summary page. In SDK
implementations, the link takes consumers to the URL specified by the SDK customer.
Fig. 5-14: Account Successfully Added page - account details successfully gathered, but one or
more accounts failed
5.2.4 Adding Manual and Real Estate Accounts

The Add Accounts page offers links to add manual accounts and real estate accounts.
The ability to manually add these types of accounts is available by default and can be
turned off by the customer.
NOTE: In Yodlee PersonalFinance, a consumer can also create a manual account by
clicking Add a Manual Account on the Accounts Summary page and other
pages across Yodlee PersonalFinance.
5.2.4.1 Adding Manual Accounts

If a financial institution does not appear in the Add Accounts page in the Suggested
Sites section or Popular Accounts section and is not found in a free-form text search, a
consumer can add the account as a manual account.
NOTE: The Add Manual Account flow is available only for Yodlee PersonalFinance
implementation hosted by Yodlee.
Manual accounts are accounts consumers add that are not supported by the Yodlee
aggregation engine. Manual accounts give consumers the opportunity to add assets that
are not available online the value of a piece of jewelry for example.
5-12
Adding Accounts
Manual accounts provide the same functionality as aggregated accounts, but

transactions against the account are not automatically aggregated for the consumer.
Instead, the consumer manually adds transactions to the account. The current balance of
a manual account is updated automatically when a cleared transaction is posted with the
present or past date in the manual account. Similarly, when a future transaction is posted,
the Yodlee application will update the balance of the manual account the day the
transaction is cleared.
Clicking the Add manual account quick link in the Add Accounts page starts the link
account flow and lets consumers add manual (non-aggregated) accounts.
Fig. 5-15: Adding manual accounts Add a manual account link

Consumers can create manual accounts by providing the following details:
Account Name Consumers enter the formal name of the account.
Nickname Consumers can provide a name that will make it easier for them to
identify the account
Account Type Consumers select an account type from the drop-down. An account
type can be a bill, insurance, loan, and so on.
Currency Consumers can select a currency for a manual account from a list of
available currencies.
Memo Any relevant information that helps a consumer identify the purpose of the
manual account.
5-13
Adding Accounts
Fig. 5-16: Create manual account page

Consumers can enter the following information for account types: Bills, Cable & Satellite,
Cell Phone & Wireless, Credit Cards, Insurance, Internet Service Providers, Loans,
Mortgages, Phone & Long Distance, or Utilities.
Amount due (optional)
Billing cycle (optional)
Next due date (For recurring payments only and is required.)
For some account types, consumers can optionally provide extra information if desired.
For example for a loan account, a consumer can provide an account number and current
balance.
If a consumer has online access to a manual account being added, the URL and
credentials can be stored for future retrieval. Consumers can choose to include or
exclude the manual account in net worth calculations by selecting/clearing the
corresponding check box.
5.2.4.2 Adding Real Estate Accounts

Consumers can link a real estate account by using the Add real estate link in the Add
Accounts page. Clicking the link takes a consumer to the add real estate account flow
within the FastLink page.
The Add Real Estate Account flow is available only for Yodlee PersonalFinance
implementation hosted by Yodlee.
5-14
Adding Accounts
Fig. 5-17: Linking a real estate account

Consumers supply the following information and click Add:
Account Name Consumers enter the formal name of the account.
Nickname Used to easily identify an account.
Include Home Value by Let Zillow.com automatically calculate the home value or
enter a manual home value.
Street address, City, and State, or ZIP code The property address must be
entered if the consumer wants to add the account through Zillow.com.
Include in Net Worth calculation Include the value of the home in the consumers
total net worth.
5-15
Editing Accounts
Fig. 5-18: Linking a real estate account choosing a corresponding mortgage account
Fig. 5-19: Linking a real estate account Success page
5.3
Editing Accounts
The edit account flow in Yodlee FastLink allows consumers to update login credentials for
sites theyve added. Consumers use the edit account functionality when account access
credentials (user name, password, and multifactor authentication (MFA) questions) have
changed at the site. Current credentials are required to refresh a consumers account
information.
For editing an account, Yodlee FastLink takes the consumer through the following steps:
Step 1 Editing credentials for a selected online account
Step 2 Viewing successfully edited accounts
5.3.1 Step 1 Editing Account Credentials

The Edit Account page appears and displays the site name, logo (if available), and the
site URL for the selected site. The site credentials (user ID and password) appear in the
fields. To edit the credentials, consumers type over the old credentials in the available
login fields and click Update Account.
5-16
Editing Accounts
Fig. 5-20: Edit Account page consumers edit the site login credentials
The Show Credentials link allows the consumer to view the credentials as clear text. The
following page appears when the link is clicked.
Fig. 5-21: Confirm password page

When the credentials are submitted, the following page shows the consumers security
credentials in clear text.
5-17
Editing Accounts
Fig. 5-22: Edit Account page credentials displayed in clear text

As soon as the credentials are submitted, the following page lets the consumer know that
security information is being verified.
Fig. 5-23: Edit Accounts security verification message

In the event of an error in the edit account process an appropriate message appears to
help consumers solve the problem and complete the edit account process successfully.
For example, a credential re-verification request appears if a consumer enters incorrect
login credentials. Error messages address a wide variety of error conditions. For details
on messaging types, see Help and Messaging on page 5-38.
5-18
Editing Accounts
Fig. 5-24: Edit Accounts - error message - credential re-verification required

After the security information is verified additional messages appear depending on
whether MFA responses are required. If MFA responses are required, a message
appears letting the consumer know that additional information is being retrieved.
Fig. 5-25: Retrieving additional information

Every level of security for MFA is retrieved and each of the challenge requests required
by the site is presented to the consumer for the correct response. The challenge requests
Yodlee supports are MFA question and answer, token, and CAPTCHA.
5-19
Updating Accounts
For more information about MFA support, see Overview of Multifactor Authentication on
page 5-34.
After all security information is entered correctly a status page appears letting the
consumer know that their data is being gathered.
Fig. 5-26: Gathering your data
5.3.2 Step 2 Success Message

After an account is successfully updated the following success message is shown to the
consumer.
Fig. 5-27: Edit Account - Success message
5.4
Updating Accounts
5.4.1 Updating a MFA Account
Consumers can update their held or held-away accounts to get up-to-date information on
their account. The Updating Accounts chapter explains the process of updating MFA and
non MFA-enabled accounts.
For MFA enabled accounts the consumer will have to enter the security questions and
answers, CAPTCHA, and tokens to refresh the account. Once the updating process is
initiated Yodlee retrieves the additional security information page of the account.
5-20
Updating Accounts
Fig. 5-28: Update Account page retrieving additional security information

The following page appears if the account type requires security questions and answers.
Fig. 5-29: Update Account page security question and answer

The following page is displayed if the account type has security image:
5-21
Updating Accounts
Fig. 5-30: Update Account page sample CAPTCHA image

The following floater is displayed for account type has security token or multilevel (which
includes token as one of the additional security layer):
Fig. 5-31: Update Account page sample dialog box for providing a Token ID
Once the consumer provides the required security information the following page is
displayed which indicates the end of the update process.
5-22
Updating Accounts
Fig. 5-32: Update Account page no additional information required from the consumer
Consumer will be redirected to the call back URL if any error occurs while updating the
account.
5.4.2 Updating a Non-MFA Account

Yodlee FastLink displays the following page once the consumer initiates to update a nonMFA account:
Fig. 5-33: Update Account page non-MFA account

NOTE: The above page does not appear for Yodlee PersonalFinance hosted solutions,
as invoking update process for a non-MFA account is a background process and
the consumers will only be allowed to browse through the application.
5.4.3 Error Scenarios

The following are examples of errors that can occur during updating an account. For a
complete list of errors and their descriptions, see the Yodlee Error Message document.
1. Account already updated The consumer has recently updated the account and tries
to update it again the following error message is displayed.
5-23
Updating Accounts
Fig. 5-34: Update Account page account recently updated

2. Request timed Out The time limit for providing the correct security information has
been exceeded. The consumer can retry immediately following the error message.
Fig. 5-35: Update Account page timed out error

3. Update in progress The consumer triggers a request and if the refresh is already in
progress for the account, following page is displayed.
5-24
Yodlee AccountVerification
Fig. 5-36: Update Account page account update in progress
5.5
5.5.1 Overview
Yodlee AccountVerification verifies the ownership of accounts that were added using
Yodlee FastLink or another add-account solution. Yodlee AccountVerification supports
two verification methods to ensure that the individual adding the account is authorized to
access the account.
Yodlee InstantAccountVerification This verification method allows real-time account

ownership verification and can instantly confirm the consumer's right to access a
particular bank account. It leverages the Yodlee Data Engine's ability to serve as a
proxy to retrieve secure account information known only to the consumer who owns
the account. Yodlee InstantAccountVerification supports verification at financial
institutions by using multifactor authentication (MFA) functionality. The types of MFA
supported include questions and answers, CAPTCHA, tokens, and a multilevel
combination of the three types. For details about Yodlees support of MFA, see
Overview of Multifactor Authentication on page 5-34.
Yodlee ChallengeDepositVerification If the consumer's bank website is inaccessible,

or Yodlee InstantAccountVerification is not supported, consumers can use Yodlee
ChallengeDepositVerification to complete the account verification process. Yodlee
ChallengeDepositVerification takes three to five days for account verification. Two
small deposits and an equivalent debit are made to the consumer's account. The
consumer is required to enter the correct amounts to establish ownership of the
account.
5-25
5.5.1.1 Verifying Accounts

The following table shows the information validated by each verification process.
Table 5-1: What each verification process validates
Yodlee
InstantAccountVerification
Yodlee
ChallengeDepositVerification
Online credentials at the

held-away financial
institution
Yes
No
Multifactor authentication
(security questions,
CAPTCHA, Tokens)
Yes
No
Account type
Yes
Yes
Routing and transit number

(RTN)
Yes
Yes
Account number
Yes
Yes
Account holder surname
Yes
No
Account balance
Yes
No
5-26
5.5.1.2 Yodlee AccountVerification Flow
Fig. 5-37: Yodlee AccountVerification process flow
5-27
5.5.2 Initiating the Verification Process

After adding a payment or transfer account (savings, checking, brokerage, etc.), the
consumer is presented with one of the account verification methods.
Using either Yodlee InstantAccountVerification or Yodlee ChallengeDepositVerification,
the information entered by the consumer is checked for a valid routing and transit number
(RTN) prior to the verification attempt. The RTN determines whether the consumer will be
offered both instant account verification and challenge deposit verification, or challenge
deposit verification only. The following example shows the verification of a checking
account using Yodlee InstantAccountVerification.
Fig. 5-38: Add Accounts page - verification of a checking account in instant account verification
If a consumer does not remember or has no access to the routing number of one of their
accounts, they can determine the routing number by selecting the name of the financial
institution where they opened the account. Using this feature, consumers can select their
financial institutions name on the Add Accounts page.
5-28
Fig. 5-39: A routing number can be determined by the bank name entered by the consumer
When the bank is selected, the respective state and city are also requested for
verification. If the selected bank has more branches in the city, the consumer can choose
the branch where the account was opened from the drop-down list. If all the fields match
each other, the routing number for the account will be visible.
NOTE: By default, the ability to verify an account by entering a bank name is turned off
and can be enabled for a Yodlee customer.
Fig. 5-40: Consumers complete the bank address fields when verifying an account using a bank
name
After the routing number or bank name is entered, a consumer is taken to the Verify
Account page that supports either instant account verification or challenge deposit
5-29
verification. They can switch between instant account verification and challenge deposit
verification using the respective links on the Verify Account page.
For example, if the consumer is taken to instant account verification (Figure 5-41), they
can click Alternative account verification method to verify their account through
challenge deposit verification.
Fig. 5-41: The Verify Account page that supports instant account verification
From the Verify Account page showing the challenge deposit verification method (Figure
5-46) a consumer can switch to instant account verification by clicking the Verify my
account faster link.
5.5.2.1 Yodlee InstantAccountVerification

Yodlee InstantAccountVerification verifies the consumers accounts in real time. To
complete account verification instantly, consumers provide their financial institutions
credentials. Yodlee InstantAccountVerification then logs in to the consumers financial
account and confirms that the account number provided matches the account number
displayed on the website.
5-30
Fig. 5-42: Verify Account page - instant account verification method

If a consumer has an account with a financial institution that has implemented multifactor
authentication (MFA) on its online banking platform, the consumer might be asked to
provide challenge information as part of authorizing account ownership. The Verify
Account page appears with MFA fields for the consumer to fill out. For information about
MFA, see Overview of Multifactor Authentication on page 5-34 and MFA for
InstantAccountVerification on page 5-36.
Fig. 5-43: Verifying account through security questions (applicable for MFA enabled consumers
only)
The system verifies the security information supplied by the consumer and returns a
success message if the authentication is successful.
5-31
Fig. 5-44: System verifying provided security information
Fig. 5-45: Successful account verification message

For security question and answer based, dynamic MFA accounts, the consumer sees all
the learned security questions and answers on the Edit Credentials page.
The Edit Site Credential page allows the consumer to edit the answers to question and
answer security questions.
5.5.2.2 Yodlee ChallengeDepositVerification

For consumers who choose not to leverage instant account verification, or in cases where
instant account verification is not available, Yodlee also provides challenge deposit
verification. Yodlee makes two credits and a debit of amounts less than one dollar to the
consumer's account by using the account number and routing number provided by him/
her. Once the micro deposits and the debit are posted to the account, the consumer must
check his/her statement or online transaction record to determine the exact amounts of
the two deposits and the debit.
The consumer must then return to the account verification application and input these
amounts to confirm account ownership. This process takes three to five business days
and has a higher consumer abandonment rate than instant account verification.
5-32
Fig. 5-46: Verify Account page - challenge deposit verification method
Fig. 5-47: Challenge deposit verification (CDV) has started

If the consumer does not verify ownership of the account by entering the relevant
amounts before the expiration period (this is the number of days in which the consumer
can verify the ownership of the account; this parameter can be configured), the challenge
deposit verification will expire and ownership of the account must be re-verified by
starting the verification process again.
5-33
Fig. 5-48: Verify Account page a consumer enters the deposit and debit amounts for challenge
deposit verification
Fig. 5-49: Successful account verification message for challenge deposit verification
5.5.3 Overview of Multifactor Authentication

To make it easier for consumers who have accounts with financial institutions that have
implemented multifactor authentication (MFA) on their online banking platform, Yodlee
has developed solutions based on MFA implementations. The solutions provided are:
Security Questions and Answers
Yodlee offers a mechanism for the consumer to provide the answers during an
instant refresh.
Yodlee remembers the answers provided by the consumer and uses the security
questions and answers for subsequent login attempts.
Yodlee attempts to retrieve the answers set up at the website and stores them for
subsequent login attempts. Yodlee attempts to refresh data, as scheduled by
refreshes using the available answers.
The consumer is allowed to edit the stored answers.
5-34
Token ID Yodlee supports consumer-initiated refreshes (instant refreshes) by asking

them to enter the code when they request account updates.
CAPTCHA (Completely Automated Public Turing Test to Tell Computers and Humans
Apart) Image Yodlee retrieves the image from the website and presents it on its
application, for consumers to type the code when they initiate account refresh.
Yodlee also supports cookie-based authentication with some of its partners websites to
gather data. Cookie-based authentication of Yodlee requests is based on an additional
password and registered Yodlee IP addresses. There is also a datafeed relationship with
some partners.
Yodlee provides MFA support for the add account and edit account processes in FastLink
and for Yodlee InstantAccountVerification.
MFA for a Limited Set of Consumers
Some sites enforce MFA only for a limited set of consumers. In such cases, Yodlee will
also imitate the behavior at the site. Some websites prompt all consumers for MFA
information, though they have implemented it only for a limited set of consumers. The
onus is on consumers to enter the details if MFA applies to the account. In such cases
Yodlee shows a different message to convey this instruction to the consumer.
5.5.3.1 MFA for the Add and Edit Account Flow

Consumers respond to the challenge requests in the Add Accounts page or Edit
Account page, depending on whether adding or editing an account. For example, the
images that follow depict CAPTCHA challenge requests for the edit account flow.
Fig. 5-50: Sample CAPTCHA image for editing an account
5-35
Fig. 5-51: Sample dialog box for providing a Token ID for editing an account
Fig. 5-52: Sample dialog box with a security question for editing an account
5.5.3.2 MFA for InstantAccountVerification

In the Yodlee InstantAccountVerification flow consumers respond to the challenge
questions in the Verifying Account page.
5-36
Fig. 5-53: Verifying an account through security questions (applicable for MFA enabled
consumers only)
Fig. 5-54: Verifying an account through Token ID (applicable for MFA enabled consumers only)
5-37
Help and Messaging
Fig. 5-55: Verifying an account through CAPTCHA image (applicable for MFA enabled
consumers only)
5.5.4 Consumer Privacy and Protection Statements

Links to Yodlee consumer privacy and protection statements are available at the bottom
of each page of Yodlee FastLink.
5.5.4.1 Privacy and Security

The Yodlee Privacy Policy available at the Privacy & Security link sets forth Yodlee's
commitment to protect the privacy of consumers personal information that is collected
through the Yodlee MoneyCenter service. Consumers can gather additional information
about consumer privacy and protection by reviewing the list of frequently asked
questions.
5.5.4.2 How We Protect You

The How We Protect You link takes consumers to information about key components of
the Yodlee security infrastructure.
5.6
Help and Messaging

Yodlee FastLink offers consumers assistance in the form of context-sensitive help and
error messages.
5.6.1 Help Messages

The following help is available in the Add Accounts page and Edit Account page.
Site level help The site logo, if available, appears in the page. A consumer can use
the link to access the site if necessary to obtain information needed about their
5-38
Help and Messaging
account to fill out the Add Accounts page and the Edit Account page. Any site
specific help, if available in the website, will be displayed in the Help contents.
Supported container details The right side of the Add Accounts page includes a
dynamic list of account types available for the consumer to add depending on the
financial institution.
Standard messages A message invites consumers to enter the login information

for the selected site. A notice about security and a link to the privacy policy are
available.
Login form help Help resources such as field validation messages and the marking
of mandatory fields with an asterisk (*) help consumers enter valid information into the
fields. In the case of an error, an appropriate error message appears in the upper
portion of the page informing the consumer about the nature of the problem and what
to do to correct it.
5.6.2 Error Messages

If there is an error, an appropriate error message appears. Some errors can be resolved
by retrying the add (or edit) account flow. For example, if a consumer enters incorrect
credentials, the login form displays the error message and provides fields to reenter the
credentials. For errors that allow the consumer to retry the account add edit process, the
Try again button is available. Errors that cannot be corrected by the consumer (for
example, an account is locked) prevent a consumer from re-running the add or edit
account process. This type of error provides the Add Other Accounts or View Accounts
button. Selecting the Add Other Accounts button takes the consumer to the Yodlee
FastLink Add Account landing page where they can add other accounts. Selecting the
View Accounts button takes the consumer to the Account Summary page where they
can view their accounts and details.
The following are examples of errors that can occur during the add account or edit
account process. For a complete list of errors and their descriptions, see the Yodlee Error
Message document.
Credential Re-Verification Required (Error 402) The consumer has entered incorrect
login information. The consumer can retry immediately following the error message.
5-39
Help and Messaging
Fig. 5-56: Add Accounts - Sample error message - Credential Re-Verification Required
Agent/Site error (Error 403) The account could not be verified because of variations
at the site. Because validation occurs at the site, the login screen is not shown again.
The consumer must try again later.
Fig. 5-57: Add Accounts - Sample error message - Agent/Site Error
Account Locked error (Error 407) Account is locked in the site. This is a user action
required (UAR) error. The consumer must unlock the account at the site and edit the
account credentials (if required) in Yodlee MoneyCenter.
Fig. 5-58: Add Accounts - Sample error message - Account Locked Out
Request Timed Out (Error 522) - The time limit for providing the correct security
information has been exceeded. The consumer can retry immediately following the
error message.
5-40
Help and Messaging
Fig. 5-59: Add Accounts - Sample error message - Request Timed Out
All Account Failure An all account failure can occur in the following scenarios.
User action required error messages can occur during the add account process
when attempts to add different types of accounts at the site appear to fail.
Different types of site or user action required errors can be triggered. Consumers
should address the user action required errors by referring to the Account
Summary for detailed messages and take appropriate action.
An all account failure error can occur while trying to add accounts of the site and
all the accounts appear to fail as one or more of the accounts failed due to site
variations. This error is a combination of site errors. Consumers should refer to
the Account Summary later to see their new accounts added.
Fig. 5-60: Add Accounts - Sample error message - all account failure
5-41
Chapter 6: Transactions
6.1
Transactions Page
The Transactions module is a page in Yodlee PersonalFinance where consumers can
search for and view transactions associated with their accounts. An unlimited transaction
history is stored and consumers can find any transaction using the modules extensive
search capabilities.
Consumers can configure how transactions are presented to them. For example,
consumers can select the maximum number of transactions to be displayed on each
page of the transaction search results table.
Consumers can see the total transactions made for a period of time in their chosen
currency and preferred date format. For example, if a consumer sets the preferred
currency as GBP and date format as yyyy/mm/dd, the total transactions amount will be
displayed in GBP in the specified date format.
Fig. 6-1: Transactions page
6.2
About the Transactions Table

The Transactions page contains a table of searchable and sortable transactions. The
transaction table is divided into two sections: Future transactions and In progress and
cleared transactions. When a single account is selected in the accounts drop-down the
Future Transactions portion of the page appears and displays all future transactions for
that account in a scheduled or pending status. By default, all future transactions
scheduled for the next 30 days are displayed (number of days is configurable).
Displayed are transactions that match consumer provided search criteria. The
Transactions page remembers consumer selections across previous sessions.
6-1
About the Transactions Table
Depending on the type of transaction listed, table columns provide the following
transaction information.
Date Indicates the date on which a transaction occurred. Displayed in user

preferred format.
Action The column appears for investment account types only and represents
investment transactions such as Buy, Sell, Loan Payment.
Quantity The column appears for investment account types only and represents
the quantity of an investment purchased or sold, such as shares. The field is only
available when the account type is investment.
Price The column appears for investment account types only and represents the
price of a single underlying security. The field is only available when the account type
is investment.
Description Describes the transaction. In the Transactions page and the

Transactions FinApp, consumers can click the description and enter text to modify it.
An example would be if a consumer has a business-related restaurant payment and
wants to make a note of who attended the meal.
Category Consumers can select a category for each of their transactions in the
Transactions page and Transactions FinApp (medium-size). Categorizing indicates
how money in a transaction was spent or earned. When consumers click a category
link, a drop-down list of available categories and subcategories appears. A consumer
can replace the category (the category currently visible in that row) with a category
that more accurately represents the transaction. For example, a consumer can
classify a transaction as tax-deductible, medical, or business-related. If a subcategory
is used, it is displayed along with the parent category. For example, Water & Trash
and Gas & Electric can be subcategories of a parent category called Utilities.
Account The name of the account where the transaction occurred. This field is only
available in the Transactions page, not the Transactions FinApp.
Credits Contains the amount of a credit transaction to the account. The amount is
not displayed in the user preferred currency; the amount is displayed in the base
currency to which the transaction belongs. Customers can turn this column off and
show amounts in the Credit or Debit columns. The Credits column is only available in
the Transactions page and not the Transactions FinApp.
Debits The amount of a debit transaction to the account. The amount is not
displayed in the user preferred currency; the amount is displayed in the base currency
to which the transaction belongs. The Debits column is only available in the
Transactions page and not the Transactions FinApp.
Amount Contains amounts for investment accounts. Customers can choose to turn
this column off and instead show amounts in the Credit or Debit columns. The field is
only available when the account type is investment.
Running Balance Consumers can see the running balance by transactions in a

single account sorted by date in descending order. The column is available for all
6-2
Searching Transactions
aggregated and manual bank account types (for example, checking and savings
account types). In the case of a split transaction, a running balance only applies to the
parent (original) transaction, not the child transactions.
Balance Available only in the small and medium Transactions FinApp. The
projected balance allows consumers to see what their balance will be at a future point
in time to help them offset potential overdraft situations and identify when they may
need to deposit more funds into their account(s). The field is only available when a
single bank account is selected from the accounts drop-down.
Columns available in the Transactions page depend on the account type of the
transaction.
Table 6-1: Transaction information for account types
Account Type
6.3
Table Columns Available
Single card
Date, Description, Category, Debit, Credit
Insurance, loan, or mortgage

account
Date, Description, Category, Amount
Single bank account
Date, Description, Category, Debit, Credit, Balance. Note that for single
bank accounts, the projected balance (based on the running balance) is
displayed.
Single investment account
Date, Action, Description, Quantity, Price, Category, Amount
Single rewards/miles account
Date, Description, Amount
Consumers can vary the information they see on the Transactions page by adjusting the
available filters. Available are basic search filters and advanced search filters.
6.3.1 Basic Search Filters
Account Group By individual account, all accounts or account groups the

default is All Accounts.
Time Filter Consumers can use the time filter to view all transactions or sort by
the following time frames (the default is 1 week).
1 or 2 weeks
1 month, 3 months, 6 months, 12 months
This week or last week
This month or last month
This year or last year
Category Filter Consumers can filter lists of transactions by categories, category

types and category groups (default is All Categories). Choosing a category type
6-3
displays all transactions from all categories under it. The following are available
category types.
Expense Shows expenses for categories such as utilities, checks.
Income Shows transactions related to income. Expense reimbursement is

an available category under the Income category type.
Transfers Shows the transfer of money to or from credit card accounts,

security trades accounts, savings accounts, and other categories.
Deferred Compensation Transactions to a consumers 401k or other related

account
Uncategorized Transactions that are not assigned to any category.
6.3.2 Advanced Search Filters

The Advanced Search option on the Transactions page offers consumers a variety of
methods to locate transactions.
To perform a simple search, the consumer can enter the appropriate transaction
description text in the Search text box.
Fig. 6-2: Transactions page - Consumers click Search and enter the description
Consumers can locate transactions by tag, date range, statement dates, or amount range
(for certain card accounts where that data is available).
Using the advanced search feature, consumers can look for medical, business, tax
deductible, or reimbursable transactions for specific amounts in a specific time frame.
They can define all, some, or none of these advanced search options when searching for
transactions.
NOTE: The Advanced Search function is available in the Transactions page and the
medium version of the Transactions FinApp.
6-4
Fig. 6-3: An example showing advanced search filter criteria

After selecting advanced search criteria and clicking Search, transactions matching the
search criteria appear in the results table. The filter or filters selected appear listed in the
Showing x transactions matching: field. They can be removed by clicking the x in the
tag box. More filters can be added by clicking + Add Filter. The example in Figure 6-4
shows setting the filter to pick up transactions that are tagged as Medical and
Reimbursable. Consumers toggle the filter box on or off using + Add Filter.
NOTE: Transaction totals appear only in the Transactions page (see Figure 6-4) and
not in the Transactions FinApp.
6-5
Adding a Manual Transaction
Fig. 6-4: Consumers can add and remove filters
6.3.3 Sorting and Filtering Split Transactions

Parent and all child transactions are always grouped together. If sorting is applied to the
transaction table, attributes of a parent transaction are considered for sorting. That is,
regardless of the category of child transaction, if sorted on category, the parent
transaction's category is considered for sorting.
If a filter is applied to the transaction table, then attributes of both child and parent
transactions are considered for the filtered criteria. However the priority is given to the
matched transaction, so that the consumer can identify the matched transaction. This is
helpful when calculating the total of the filtered transactions.
A category filter for a category considers the category of both child and parent
transaction. If a match is found on the child transaction category, the parent transaction is
also shown. If a match is found on the parent transaction category, the child transaction is
also shown.
If a filter is applied, transaction totals consider only the transaction amounts from the
matched transaction regardless of the fact that another transaction in the group (for which
no match was found) is also available
6.4

Consumers can create manual transactions for accounts whose data is not available to
Yodlee for aggregation. For example, a consumer might want to record a large deposit
from lottery winnings to a held-away account. By adding the amount as a manual
transaction, the consumer will not have to rely on memory to add that amount to the net
worth statement. Consumers add manual transactions by clicking the Add a Transaction
link when opening the details page of a specific account. They can also use the Add
Transaction link available in the transaction search results table (For more information,
see Transactions FinApp on page 6-18.).
After the manual transaction is saved, it will appear on the Transactions page.
Consumers can edit and delete existing manual transactions.
NOTE: The ability to add manual transactions is only supported in the Transactions
page.
In the Add Manual Transactions section for all accounts except investment accounts,
consumers specify the following:
Account Consumers can enter the account name. Containers that can support
adding manual transactions are bank, card, loan, mortgage, and investment. No other
containers support manual transactions.
Type Indicates whether the transaction is a deposit or withdrawal for bank, card,
loan, or mortgage accounts. For investment accounts, the investment option is
available.
6-6
Date A consumer enters the date of the transaction. The date format follows the
consumers date format preference.
Description A consumer enters a brief description of the transaction.
Memo A consumer can enter additional descriptive information such as the reason
for the transaction. The field is available for all aggregated transactions, such as
deposit, withdrawal, and investment transactions. The field is not used for manual
investment transactions and is not available in the Transactions FinApp.
Amount A consumer enters the transaction amount (in positive numbers). The field
is available for bank, card, investment, loan and mortgage accounts and not for
investment accounts.
Category A consumer can select the category to which the transaction belongs.
The category is Security Trades by default and the category can be changed by the
consumer.
Tag This Transaction Optionally, a consumer can tag a transaction as belonging to

a selected group. For example a transaction can be tagged as business, tax
deductible, medical, or reimbursable.
Check Number A consumer can supply the check number used for the transaction,
if relevant. Does not appear for investment transactions. When recurring transactions
are created, the check number is applied to the first transaction only.
Cleared A consumer can check the box to indicate whether the transaction has
been cleared. If a cleared status is not provided, the system creates a scheduled
status. For a past dated transaction, the scheduled status is automatically selected,
however the consumer can change it. This field does not apply when the type is
investment. For recurring transactions when a consumer provides a cleared status
the system creates past dated transactions with a cleared status and future dated
transactions with a scheduled status. Consumers are prevented from marking a
transaction as cleared for a future dated transaction.
Recurs A consumer can indicate whether the transaction is one-time, weekly, biweekly, monthly, bi-monthly, quarterly, or semi-annual.
End Date A consumer provides the final transaction date if the transaction is
recurring. This is only shown when the consumer selects a frequency other than One
Time in the Recurs field. The date format follows consumer date format preferences.
6-7
Fig. 6-5: Example of entering a manual transaction

The following additional options are made available to a consumer when adding a manual
transaction to an investment account. The below fields are only available when the
account type is investment.
Transaction Type The transaction type for an investment transaction (whether the
transaction is a buy, sell, or unknown). This option is provided only when Type is
Investment.
Description Transaction description. Field provided to enter a custom description.
Price The price of a purchase (in positive numbers).
Quantity The number of units (shares) of a holding purchased (in positive

numbers).
Net Cost Net cost of a purchase (in positive numbers).
Symbol/Ticker Symbol or ticker of a holding.
CUSIP An identification number assigned to all stocks and registered bonds.
Holding Type Indicates the type of instrument of the transaction. The available
types are: other, mutual fund, unknown, currency, bond, REMIC, stock, commodity,
Unit Investment Trust (UIT), Future, CD, money market fund, employee stock option,
and insurance annuity.
Lot Handling This indicates how the closing of the position will be handled.
Consumers can select from a series of closing methods, First In First Out (FIFO), Last
In First Out (LIFO), By Largest Quantity, By Smallest Quantity, By Highest Cost, or By
Lowest Cost.
6-8
Viewing and Editing Transaction Details
6.5

Consumers can edit many of the details of their aggregated and manual transactions.
6.5.1 Editing Details of Aggregated Transactions

The Transactions page allows consumers to view aggregated transaction details and
perform some editing functions on them. For example, by mouse hovering over any
transaction on the Transactions page, the information in the Description and Category
columns become available and editable. If the transaction was split, the split details are
also displayed.
Clicking the expand icon to the left of any transaction on the Transactions page opens
the details of the transaction. The Details page view differs for manual, investment, or
payment services transactions.
Consumers can use the Save Changes button to save the changes. A customer can
choose to have changes to a transaction automatically saved within an amount of time
configured by the customer.
Fig. 6-6: Details of an investment transaction

Consumers can edit and save some of the details of their aggregated transactions.
Amount The transaction amount is not editable.
Transaction descriptions Yodlee PersonalFinance assigns standard descriptions

to transactions. The original description cannot be changed, but custom description
can be created and edited by the consumer. If a consumer modifies a description in
the financial institution's online application, the Yodlee standard description will be
overwritten.
6-9
NOTE: The ability to edit a transaction description is also available in the small and
medium versions of the Transactions FinApp.
Tags Consumers can tag transactions as business, medical, reimbursable, and tax
deductible; this data can subsequently be presented to consumers as part of
transaction reports. The transaction classification captures where money was spent
or earned.The tag assignment can be changed.
Memo The text in the Memo text box can be edited (limited to 140 characters).
Status Whether the transaction has posted.
Category The category assigned to a transaction can be changed. An edited

transaction cannot be saved without assigning a category. Consumers can change
the category of a transaction in the Transactions page and the medium version of
the Transactions FinApp.
Fig. 6-7: Details of a banking transaction
6.5.2 Editing the Details of Manual Transactions

After manually creating a transaction or a set of recurring transactions, a consumer can
view the transaction details and edit them as desired. In the Transactions page
consumers can edit, save, and delete manual transactions.
While editing any of the details for a single transaction in a set of recurring transactions a
consumer can either update just the currently selected transaction or all transactions
belonging to the current set of recurring transactions. The consumer can propagate
changes to all future transactions belonging to the current set of recurring transactions.
The consumer has the ability to save the changes.
A consumer can delete one transaction in a set of recurring transaction or all of the
transactions in the set of recurring transactions, including previous and future
transactions. The consumer is asked to confirm that they want to delete the transaction or
set of transactions.
6-10
Categorizing Transactions
6.6
Consumers can categorize their transactions and create personalized rules for
categorizing related transactions.
6.6.1 Overview
Consumers are allowed to categorize and recategorize their transactions. A category
captures how money is being spent or earned. With over 40 preset categories such as
restaurants, travel, and investment income, Yodlee PersonalFinance can display how a
consumer spends money and where earnings originate.
Consumers can create subcategories for transactions. For example, a consumer who
knits can give the Hobbies category two subcategories, one for yarn and one for needles.
Consumers can also re-title categories with more personally meaningful names.
The Yodlee PersonalFinance categorization engine learns from consumer interactions
and refines internal auto-categorization rules to improve future categorization. Auto
categorization of all incoming transactions is made possible by a Yodlee rules-based
engine that uses Bayesian logic.
6.6.2 Custom Categorization Rules

Consumers can create personalized rules for categorizing related transactions.
Consumers establish rules for incoming transactions through the Manage Category
feature. Rules can be created based on specific transaction amounts or ranges,
descriptions, and the like. For example, a consumer can create a rule stating that any
purchase exceeding $100 and with books in the description will appear in the Education
category, and any purchase below that amount and with books in the description will go to
the Entertainment category.
Consumers create personalized categorization rules in the Custom Categorization
Rules page. Consumers access the page via a link in the Transactions page.
NOTE: Custom categorization is not available in either the small or medium versions of
To create a categorization rule, a consumer must provide one or more of the following
filter criteria:
A part of the (or the entire) text of the transaction description
Whether the amount needs to exactly match the transaction amount, or come within a
variance by a specified amount or percentage
A category to specify how the matching transactions should be categorized by the

categorization engine
6-11
Fig. 6-8: Custom Categorization Rules page

After providing rule details, a consumer clicks Create Rule.
All categorization rules created/saved by a consumer are listed in a table.
Fig. 6-9: Categorization Rules page Click Add Rule to create a new rule
Each row consists of the rule priority, transaction description rule, amount rule, and the
corresponding category into which a matching transaction is to be categorized.
Custom rules are sorted by priority in the event a transaction falls under more than one
rule. The consumer can increase or decrease the relative priority of a rule by clicking the
Up/Down arrow under the Priority column.
Consumers can run a single rule by clicking Run corresponding to that rule or run all rules
simultaneously by clicking Run All Rules. The Yodlee application will run the rule/rules
6-12
Splitting Transactions
for historical transactions and recategorize all those transactions that match the rule
criteria. By default, transactions of the past 90 days are recategorized.
NOTE: A message appears letting the consumer know it may take some time to run
rules and that they can safely close the window. It may take a day or more to run
rules if rules have to be applied for large number of transactions.
Rules can be deleted with a click in the Actions column.
When a consumer clicks Add Rule fields are provides to create a new rule. Clicking
Create Rule adds the new rule to the list.
.
Fig. 6-10: Categorization Rules page Defining a new rule
6.7
A consumer can split a transaction into multiple expenses (in the Transactions page
only). As consumers review a transaction, they can divide the amount among categories
and subcategories. For example, a single shopping trip to Costco might include groceries,
healthcare, and office supplies. Or, a consumer might divide a paycheck between income
and a manually-added deferred compensation account for retirement savings. This allows
consumers to track expenses and spending to the cent.
NOTE: In the small and medium versions of the Transactions FinApp consumers can
only view the child transactions (results of the split), but cannot create or edit
split transactions. Consumers can create and edit split transactions only in the
Transactions page.
Consumers have the option of recategorizing child transactions at any given time.
Example: A consumer splits a $200 transaction into shopping ($100) and dining ($100).
6-13
Later, the consumer realizes that $20 was spent to buy medicine. The consumer can
recategorize the dining expense as $80 and medicines as $20.
The child transaction can either be a negative amount or larger than the parent
transaction. For example, a consumer posts a manual transaction and splits it mid-month:
Paycheck - $700 (parent transaction)
Gross income - $900
Tax - $100
IRA - $100
On January 31the consumers salary account is credited with $700. The application
automatically reconciles the manual transaction with the real aggregated transaction and
splits the aggregated transactions in the same way the consumer had done with his or
her manual transaction.
Consumers can see the transaction split in the preferred currency.
The example in Figure 6-11 shows a drug store purchase being split between the
Healthcare/Medical and Gifts categories.
Fig. 6-11: Splitting a transaction

A split icon appears next to each child transaction in the table when a transaction has
been divided among categories. The split icon is only available in the Transactions
page, not the Transactions FinApp.
6-14
Additional Functionality
Fig. 6-12: Split icon signifies child transactions in a split transaction

A child transaction inherits the status and date properties from the parent transaction. A
consumer can view and edit the following transaction attributes independently:
Description A consumer can enter a custom description for a child transaction
Memo For all except investment type transactions (Transactions page only, not the
Transactions FinApp).
Amount The amount of the child transaction. The first split is automatically set to
half of the parent transaction's amount. The consumer can enter any amount for the
child transaction. The total of the child transactions must equal the total amount of the
parent transaction.
The consumer can tag child transactions separately as business, tax deductible, or
reimbursable.
Consumers can delete splits. If all splits on a transaction are deleted, the parent
transaction amount is restored in full along with its original transaction category and
transaction type (debit or credit).
6.8
6.8.1 The Transactions page has links that let consumers export and print transactions
and add transactions manually. Links are also available to reconcile transactions
and set transaction categorization rules. The links are positioned below the
transactions table. Adding Manual Transactions
Consumers can use the Add Transaction link to add a manual transaction. For details
about adding manual transactions, see Adding a Manual Transaction on page 6-6.
NOTE: The ability to add a transaction is not available in either the small or medium
version of the Transactions FinApp.
6-15
Fig. 6-13: Transactions page Links are available to export, print, and add transactions
6.8.2 Exporting Completed Transactions

The Export link provides the option to export the data (Figure 6-13). The default is to
export the data to a comma-separated values file (.csv) so that the consumer can save or
print, in the same column, delineations of the onscreen display of completed transaction
data.
This feature is useful if a consumer needs to capture and present their financial data. For
example, a consumer can bring to a meeting with a financial advisor a printout of their
completed transactions.
NOTE: The export functionality is not available in either the small or medium version of
6.8.3 Printing Transactions

There is an option to print the data displayed for the given selection criteria in the
Transactions page. It can be accessed by the clicking the print icon in the FinApp
(Figure 6-13). Consumers can either print the data to paper or save it to a PDF file
depending on the printer setting. The data printed can include split transactions.
NOTE: The print option is not displayed if there is no data for any selected criteria in the
Transactions page or FinApp.
By default, the print feature is OFF. However, for Yodlee MoneyCenter this feature is
turned ON.
NOTE: The print functionality is not available in either the small or medium version of
6.8.4 Reconciling Transactions

Transactions may have to be reconciled when there is a future transaction or when
transactions are duplicated. On clicking the Reconcile link from the Transactions page,
the application will show the suspected duplicate transactions.
NOTE: The ability to reconcile transactions is also available in the small and medium
versions of the Transactions FinApp.
6-16
The consumer can manually reconcile transactions by selecting these from the list.
Fig. 6-14: Example of the Transaction Reconcile page

The following parameters should be used during reconciliation:
Post Date of Trans Date (depending on the availability)
Amount (with customized tolerance level)
Check Number (if available for bank transactions)
Transaction base type
Auto Reconciliation
Auto reconciliation of transactions happens when:
Two accounts are reconciled manually
A manual transaction is added for an aggregated account and later the same
transaction is added automatically during an account refresh
An account is added manually and the same account is added as an aggregated

account
The criteria for auto reconciliation are transaction amount(+/-5%), transaction date (one
day before or after), and the same account number.
If an aggregated transaction is reconciled with a manual transaction, the fields like
transaction description, category, memo, tags, and splits of the manual transaction are
retained.
For more information on reconciling accounts, refer to Reconciling Accounts on page 411.
6-17
Transactions FinApp
6.9
Transactions FinApp
Transaction functionality is available as a medium or small size Transactions FinApp. The
medium size Transactions FinApp is included in the Yodlee Dashboard by default and
also appears as an embedded tab in the Account Summary page and Budget page. The
FinApp can also be obtained from the FinApp Center and dragged to a medium or small
drop location on the Dashboard or other page.
The FinApp offers many of the same features as the those found in the Transactions
page, such as add account and reconcile transactions.
Search Drop-Down The medium size FinApp offers the Accounts, Categories, and
time frame drop-downs. The small size FinApp provides the account and time frame
drop-downs.
Advanced Search Advanced search functionality on Tags, Data Range, Amount

Range, and Statement Date (credit card accounts only). For the medium size FinApp
only, consumers can add filters.
Transaction table sorting Sortable on date for the medium and small size FinApp.
Future and In Progress Transactions grouping For medium and small size FinApp.
Add Account A link that allows consumers to add accounts.
Category column For the medium size Transactions FinApp (and Transactions
page) only. Displays the category of the transaction. Consumers can change the
transaction category for aggregated and manual transactions. The category filter
allows users to filter transactions based on category.
NOTE: A consumer cannot edit the category of a transaction associated with a
shared account for which they have view-only permission. The Category
column is not available for transactions for rewards accounts.
6-18
Transactions FinApp
Fig. 6-15: Transactions FinApp - Medium size
Fig. 6-16: Transactions FinApp - Small size
6-19
Chapter 7: Budget
The Budget module offers a variety of tools that allow consumers to track their spending
patterns and expenses.
7.1
Budget page Consumers can create a monthly budget by setting target income and
expenses.
Monthly Budget FinApp A FinApp that allows consumers to create and track
monthly budgets.
Yodlee Compare Spending Consumers can view budget goals they have created
against actual expenses incurred during a selected time period.
Save for a Goal FinApp An application used to create and track savings goals.
Expense Analysis A report that displays expenditures over a given time period.
Cash Flow Analysis A report that displays cash flow over a given time period.
Credit Utilization A report that displays credit balances and availability.
Budget Page
The budget feature of Yodlee PersonalFinance helps consumers view their average
monthly income and expenses and set the target income and target spending.
On the Budget page, consumers can set monthly budget goals for income and expense
categories.
Consumers who have not set a savings goal can do so by clicking the Goals tab. For
details, see Expense Analysis on page 7-20.
Based on target income, target spending, and goals per month, the balance available for
saving for a goal is displayed. Consumers can view how it is calculated by moving or
hovering the cursor over the
icon appearing after the Whats Left: amount. Below
illustrates how the remaining amount is calculated.
Fig. 7-1: An example showing the calculation of whats left

In the Budget page, transactions are grouped according to the category to which they are
assigned. Categories are considered to consist of either discretionary transactions or
fixed spending transactions. Discretionary transactions are listed in the Discretionary sub
group in the table. Fixed or recurring transactions (those such as mortgage payment
Chapter 7: Budget
7-1
Budget Page
transactions or other bills that occur on a regular basis) are listed in the Fixed Spending
categories sub group.
By clicking Alert Options, consumers can opt to receive email notifications if their
spending exceeds their budget goal. They can choose to receive budget status reports on
a weekly and/or monthly basis. Budget status reports indicate the amount spent per
category as compared to the budgeted amount for all included categories.
Fig. 7-2: Budget page displaying various alert options

NOTE: If consumer's email address is not available in Yodlee MoneyCenter application
or is yet to be verified, then the email option is unsubscribed. An appropriate
message is displayed if the consumer has not verified the email address.
7.1.1 Income Tab
Chapter 7: Budget
7-2
Budget Page
Consumers can set a monthly budget goal for income categories by clicking the Income
tab in the Budget page.
Fig. 7-3: Setting monthly budget goal for income categories

Consumers using this feature for the first time are directed to set a monthly budget goal
for each income category. Once the monthly budget goal is set, they can review status by
clicking Track Budget. If the income is within the budget goal, it is displayed in green;
otherwise, it is displayed in red.
The target income is the total of the monthly budget goals set for each income category.
When consumers adjust their budget for any category, the target income is updated
accordingly.
Chapter 7: Budget
7-3
Budget Page
Fig. 7-4: Tracking budget status of income categories
7.1.2 Spending Tab

Consumers can set a monthly budget goal for spending categories by selecting the
Spending tab in the Budget page.
Fig. 7-5: Setting monthly budget goal for spending categories

Consumers can set the monthly budget for each expense category by comparing it with
the monthly average displayed. The spending categories are classified as fixed and
variable. The expense categories like loans, rent, insurance, telephone services, and
taxes are generally constant for a month and come under fixed spending.
Target spending is the total of the monthly budget goals set for each spending category.
When consumers adjust their budget for any category, the target spending is updated
accordingly.
Consumers can track current budget status by clicking Track Budget.
Chapter 7: Budget
7-4
Budget Page
Fig. 7-6: Tracking monthly status of spending categories

On clicking a category name in the Spending or Income tab, it expands to display
navigation tabs: Transaction and Compare Spending.
7.1.2.1 Transactions Tab

In the Transactions tab, consumers can view transactions of the selected category. This
is similar to the Transactions page. For details, refer to Transactions Page on page 6-1.
7.1.2.2 Compare Spending
Chapter 7: Budget
7-5
Yodlee Monthly Budget FinApp
The Compare Spending tab gives consumers the opportunity to see spending details for
a specific category, month over month. In addition, a consumer can choose to view a
budget goal against the actual expenses for the selected time period.
7.2

7.2.1 Overview
The Yodlee Monthly Budget FinApp is a FinApp consumers use to create and track
expense budgets and income targets. From the FinApp, consumers can access the
budget capabilities available in the Budget page (see Budget Page on page 7-1).
The Monthly Budget FinApp can be selected in the Yodlee FinApp Center and
subsequently downloaded from My FinApps.
The Monthly Budget FinApp integrates with the Expense module (Expense Analysis on
page 7-20).
Fig. 7-7: Yodlee Budget FinApp

As in the Budget page, consumers create budgets for expenses (transactions) tied to
categories they have selected in the Manage Categories page. (See Managing
Categories on page 9-1).
If no accounts have yet been added, the FinApp shows the Add Account button. This
function starts the add-account flow that lets a consumer add the account(s) they intend
to use for their budgets.
Chapter 7: Budget
7-6
Fig. 7-8: Yodlee Monthly Budget FinApp landing page - Get Started button lets consumer add
accounts
If neither an income target nor an expense budget have been created, the Expense
section does not appear and the FinApp displays no budgets. To create a budget, the
consumer can use Create Budget. If there are positive transactions in one or more
categories selected in the Account Manager, the consumer can create one or more of the
recommended budgets listed by clicking Add next the chosen category. For details on
recommended budgets, see Recommended Budgets on page 7-15.
Fig. 7-9: Yodlee Monthly Budget FinApp landing page - no budgets available
7.2.2 Creating a Budget

To create a monthly budget from the FinApp, click Create Budget (Figure 7-12) in the
Budget FinApp and create the budget in the Budget page. See Budget Page on page 71.
Chapter 7: Budget
7-7
If a consumer has created at least one expense budget, the Monthly Budget FinApp
appears with the following sections available:
Filtering - Used to filter budgets by category
Overall budget status message - Shows actual expenses and income compared with
the planned budget amount (customer can turn this feature on or off).
Income - Shows actual income compared with planned income.
Expenses - Shows actual expenses compared with planned expenses.
Budgets - Shows budgets created by a consumer.
Recommended Budgets - Appears if transactions are available in an expense

category for which the consumer has not yet created a budget and a customer has
elected to make this feature available to their consumers (customer can turn this
feature on or off).
Goals - Appears if a consumer has set up a saving goal and the Yodlee Save for a
Goal FinApp has been integrated with the Monthly Budget FinApp (customer can turn
this feature on or off).
Chapter 7: Budget
7-8
Fig. 7-10: Yodlee Monthly Budget FinApp - a consumer has created at least one expense budget
7.2.3 Filtering a List Of Budgets

Consumers can use the account groups drop-down to select the account group whose
budgets they want to review.
Chapter 7: Budget
7-9
Fig. 7-11: Consumers select an account group in the account group drop-down
7.2.4 Overall Budget Status Message

Overall budget status messaging appears at the top of the FinApp showing consumers
actual remaining amounts in their overall budget (based on the actual spending and
income of the consumer) compared to planned remaining amounts.
A remaining actual amount is a consolidated remaining amount (after meeting a budget)
based on a consumer's actual spending and income. Remaining actual amounts are
calculated as the difference between actual income and actual expenses minus planned
income and planned expenses. When (actual) goal data is available, it is also considered
in the calculation. For example, if planned expenses, planned income, and planned goal
contribution amounts are available, the remaining actual amount equals actual income
minus actual expenses minus actual goal contributions. If an income target is not
available, then the actual expense amount is calculated as the difference between
planned vs. actual expenses. If an income target is available, actual income is calculated
as the difference between actual income and actual expenses.
A remaining planned amount is a consolidated remaining amount based on a consumer's
budget plan. A remaining planned amount is available if both income target and expense
budgets are available, otherwise only actual income and actual expense amounts are
available and a remaining planned amount is not available.
Fig. 7-12: Remaining amounts - results of the actual spending and income of the consumer
NOTE: The overall budget messaging can be customized or turned off completely by the
customer.
NOTE: A negative actual remaining amount is shown in red by default (customer can
customize the color).
Chapter 7: Budget
7-10
Planned income is compared to actual income in the Income section of the FinApp.
Fig. 7-13: Income - planned vs. actual income

Planned expenses is compared to actual expenses in the Expenses section of the
FinApp.
Fig. 7-14: Expenses - Planned expenses compared to actual expenses

Planned goal amounts (from different sources) are compared to actual goal amounts
saved in the Goals section of the FinApp.
Fig. 7-15: Goals - Planned goal amounts compared to actual goal savings
7.2.5 Income
The Income section of the Monthly Budget FinApp tracks a consumers overall planned
and actual income. An income total appears in the Income section. The income total is a
total of all transactions that the consumer has categorized as income transactions. An
income total only appears if the consumer has transactions that are categorized as
income. If no income is found, the message No income found appears.
Chapter 7: Budget
7-11
Fig. 7-16: Budget FinApp Income

Consumers are encouraged to add at least one income target. An income target is a goal
income amount specified for an income category (for example, Salary/Paycheck or
Interest/Deposit). A consumer can add an income target for each income category for
which there is a history of transactions. Clicking Add Income Target opens the Edit
Budget floater where consumers can specify an income target.
After a consumer adds an income target, a status bar appears in the FinApp.
If actual income is not available, the bar remains blank. If actual income is available and
is less than the income planned, the status bar displays the actual income out of the total
planned to indicate that the income goal has not been met.
Fig. 7-17: Income status bar Actual income is less than planned income
If actual income is available and is greater than or equal to the income planned, the status
bar shows (in green color) that the planned income amount has been reached or
exceeded.
Fig. 7-18: Income status bar Actual income is greater than planned income
Mouse hovering over the status bar opens a pop-up that shows actual income over one or
more planned income targets set by the consumer.
Chapter 7: Budget
7-12
Fig. 7-19: Hovering over the status bar shows actual income over targeted income amounts
The Details link lets consumers view their budgets in greater detail in the Budget page
with the Income section selected. (Figure 7-4).
Consumers can delete a budget using the Delete link. The Delete link is available if the
customer has opted to provide the delete functionality to consumers and if consumers are
allowed to set an independent income target.
7.2.6 Expenses
The Expense section of the Monthly Budget FinApp compares a consumers overall
actual expense amounts with an overall expense budget.
Fig. 7-20: Monthly Budget FinApp Expenses section

Clicking the Add Expense Budget link in the Expense section opens the Edit Budget
page in which a consumer can enter a budget amount for a selected expense category.
Consumers can track an overall expense target or one or more individual expense
category budgets they create.
If there are no expenses, the status bar is blank.
If actual expenses are less than or equal to the expense budget, the bar is green
(customer can customize the color).
Chapter 7: Budget
7-13
Fig. 7-21: Monthly Budget FinApp Green bar when actual expenses are within the expense
budget
Red color (can be customized) represents the amount over budget compared with the
actual budgeted amount.
Fig. 7-22: Monthly Budget FinApp Red bar represents amount over budget
Below the All Categories status bar is a details link, which takes a consumer to the
budget page. The Spending section is selected and the expense categories are
displayed. (See Spending Tab on page 7-4.)
NOTE: The customer can turn the details link on or off.
The Delete link is available to let consumers delete an overall expense budget.
7.2.6.1 Expense Categories

Expense categories are divided into discretionary (variable) and non discretionary (fixed)
categories. Discretionary categories have expenditures that are optional (for example,
restaurant, electronics, and entertainment). Non discretionary categories consist of
essential expenditures (bills) that are not optional (for example, rent, insurance, child
care, etc.).
Chapter 7: Budget
7-14
A limited (and customizable) number of categories are shown. The order of categories
displayed is over budgeted categories first, then discretionary categories (in order of
expense amount) followed by non-discretionary categories (also in order of expense
amount). The display order can be customized.
If a consumer does not have a budget, only the discretionary categories are shown. They
are shown in order of expense for the last 6 months, from highest to lowest expense
amount. The monthly average amount is the recommended budget.
If a consumer has at least one expense budget, non discretionary categories are shown
(in order of expense over the last 6 months) only if all the discretionary categories have
already been budgeted.
Subcategory budgets are shown on mouse-over (if available) over parent categories.
Also the order of display of categories in the FinApp.
7.2.6.2 Budgets
The Budgets section displays individual expense budgets that a consumer has created
for specific categories. Individual budgets are listed under the Budget carrot. The
consumer can open and collapse the Budget section.
Fig. 7-23: Independent expense budgets are listed in the Budget section
The Edit link lets consumers edit individual budgets. The link opens the budget floater
where they can select a category and enter a budget amount.
The Delete link is available to let consumers delete an individual budget. Upon clicking
the link, the consumer is asked to confirm that they want to delete the budget.
7.2.6.3 Recommended Budgets

Budget recommendations are based on a consumers expense history in categories in
which transactions have occurred. Budget recommendations help consumers create a
budget by intelligently suggesting an appropriate budget amount. The FinApp can
recommend budgets for expense categories a consumer has selected in the Manage
Categories page, but has not yet budgeted. A consumer's discretionary categories are
shown first, followed by non discretionary categories.
Chapter 7: Budget
7-15
Fig. 7-24: Monthly Budget FinApp Recommended budgets

A consumer can create one of the recommended budgets listed in the Recommended
Budgets section by clicking Add next to a recommended budget. In the Edit Budget
page, the consumer completes the budget by selecting a category and providing the
budget amount.
Budget recommendations can be based on the consumers monthly average. When a
consumer has a history of positive transactions in a particular category, a budget
recommendation is based on the consumers average monthly spending in that category.
If all the categories with expenses (in the last 6 months) are budgeted, the FinApp does
not display the Recommended Budget section.
7.2.7 Goals
The Goals section shows a summary of a consumers overall saving goals. The goal
section appears if the consumer has set up at least one goal that is either in progress or
has been met. Consumers set up savings goals in Yodlee Save for a Goal FinApp.
A goal status bar shows the actual goal amount relative to the goal planned amounts. The
status bar indicates whether or not the goal has been achieved.
Fig. 7-25: Monthly Budget FinApp Goals section

Consumers can access Yodlee Save for a Goal and manage their goals by clicking the
Details link in the Monthly Budget FinApp. See an overview of Yodlee Save for a Goal on
page 7-20 in this chapter. For complete details on Yodlee Save for a Goal, see the
Yodlee Save for a Goal FinApp Product Description.
Chapter 7: Budget
7-16
Yodlee Compare Spending FinApp
The More budget details link takes consumers to the Budget page where they can view
overall budget details, including goals they have set up.
7.3

Yodlee Compare Spending FinApp allows a consumer to view their spending details for
a selected category for a given time period. This FinApp is located in the Monthly Budget
module and can be accessed from My FinApps tray. Consumers can drag the Compare
Spending FinApp from the My FinApps tray and view it on any page of the application.
They can also move, resize, or remove this FinApp. Consumers view their monthly
budget goals against the actual expenses during a time period they have selected.
Consumers can filter data for the following time periods: last 3 months, last 6 months, last
12 months, this month, last month, this year, or last year.
Fig. 7-26: Yodlee Compare Spending FinApp

The Compare Spending FinApp gives consumers the ability to compare their spending
with that of their peers. Consumers who want to know how they measure up against their
peers can select to make a comparison by city, state, or ZIP Code.
Chapter 7: Budget
7-17
Consumers can view their expenses category-wise and decide on the areas where they
need to spend more or less. For example, consumers who find out theyre spending more
on entertainment than their peers can plan to reduce the expenses in this area.
Fig. 7-27: Yodlee Compare Spending FinApp - Comparison by Category

Consumers can also set and track budget goals against each category by using the
Create Budget option and setting a budget for a selected category.
7.3.1 Capturing and Storing Data

The Yodlee Platform captures summary data of expenditures by category. The captured
data is stored in terms of weeks, months, and years. The platform also captures data
stored for consumer-specific sub-categories.
The data is filtered and stored by demographic parameters including the age group, ZIP
Code, city, state, and country. Specific consumer level data and category-wise
expenditures are stored in the consumer's preferred currency.
The data is stored for individual consumers and across consumer groups. Financial
institutions can decide whether its data should be considered in the summary data across
customer groups. They can also decide the size of its network - whether it should be
available across all Yodlee or specific to its consumers. Financial institutions can also add
the demographic information needed to determine the size of the network and the amount
of time summary data should be retained for its consumers.
For financial institutions upgrading from earlier versions of Yodlee PersonalFinance, a
migration process is available to handle the updates for its existing consumers.
Chapter 7: Budget
7-18
7.3.2 Edit Location Feature of Compare Spending

By default, the Compare Spending FinApp uses demographic details from the
consumer's profile for comparison. But a consumer can edit the location in which to
compare spending. Although the modified information is accessed by the Compare
Spending FinApp, a consumer's profile information remains unchanged.
The Edit Location Details feature is only available to consumers if the customer has
chosen to enable the Compare Spending feature. Customers can change the status of
edit location details. This feature is OFF by default.
The Specify Location section of the Location Details page displays fields as shown in the
figure that follows.
Fig. 7-28: Location Details Specify Location option

If the consumer clicks the Cancel button without providing the location details, the
Compare Spending FinApp compares the consumers expenditure with all consumers by
default. This preference is repeated the next time the Compare Spending FinApp is
opened until the consumer changes the location details.
NOTE: The Location Details message box displays the My Location button as inactive
in the Specify Location section if no country information is available.
The Compare Spending FinApp is currently available only for consumers in the United
States of America. If consumers located outside the United States try to access the
feature, a message is displayed in the My Location section under the Location Details
message box as shown in the figure that follows.
Chapter 7: Budget
7-19
Yodlee Save for a Goal
Fig. 7-29: Message for consumers outside of the United States
7.4
Yodlee Save for a Goal

The Save for a Goal FinApp allows consumers to create and track savings goals.
Fig. 7-30: Yodlee Save for a Goal FinApp

Goals can be created for significant long-term events, such as paying off a house or
achieving a retirement savings. The FinApp is also appropriate for smaller goals such as
purchasing a car, saving money for a home improvement project, or for a vacation.
The FinApp displays progress made in each account toward the goal and consumers can
receive alerts about goal progress. For example, a consumer can receive notification that
their goal has been met or fallen behind schedule. Graphical cues and in-line
informational and error messages help guide a consumer toward the successful setup of
each goal. For complete details on Yodlee Save for a Goal, see the Yodlee Save for a
Goal Product Description.
7.5
Expense Analysis
The Expense Analysis page and the Expense Analysis FinApp provide a pie chart
followed by a tabular representation of a breakdown of a consumer's expenses by
Chapter 7: Budget
7-20
Expense Analysis
category. The chart shows the top ten expense categories belonging to the selected
account group for the selected time frame. On moving the mouse pointer over the pie
chart, the category name and the expenditure will be displayed. One category is named
Other and it will show the total amount spent for all remaining categories.
By selecting a time filter from the Custom drop-down menu, consumers can filter report
data by this week, last week, this month, last month, the last three months, last six
months, the last 12 months, this year or last year. They can also elect to see all data.
Note that the same time filtering options apply to both the Expense Analysis page and
the Expense Analysis FinApp. The application remembers the filter criteria selected in the
accounts drop-down and time filter drop-down. The Expense Analysis chart will display
the expenses of the chosen period as the default value the next time that the consumer
logs in to the application. Consumers have the option to view their Expense Analysis
chart in the preferred currency.
Fig. 7-31: Sample Expense Analysis page showing an expense chart

The Expense Analysis report includes the categories under which the expenses were
incurred, the percentage of total spending, and the amount that was spent. Consumers
also have the option of excluding categories from the Expense Analysis report. Only the
selected categories will appear in the report. Business-related expenses can be included
in the report by selecting the expenses in the Options drop-down menu.
The pie chart can be hidden by clicking the Pie icon so only the table will be displayed
and likewise, the table can be hidden by clicking the Table icon so that only the pie chart
will be displayed. Consumers can toggle between the pie chart and table but cannot hide
both at the same time.
Chapter 7: Budget
7-21
Expense Analysis
The first top ten categories will appear in the table to the right of the pie chart. The rest of
the categories will appear in Other category. Consumers can see the uncategorized
items by clicking the Uncategorized category.
Consumers can change display preferences at any time. For example, a consumer might
display expense analysis for the past week and later decide to display expense analysis
for the past six months.
When the description of a transaction is clicked, it will display a page with the transaction
details, as shown in the figure that follows.
Fig. 7-32: Clicking a transaction in the Expense Analysis page displays transaction details
7.5.1 Set Budget Goal

Consumers can set budget goals for their spending categories. Clicking the Set Budget
Goal icon opens the Edit Budget page. For each category selected in the drop-down
consumers can see their spending in the current month and their average spending. The
consumer can enter a budget goal amount they would like to attain. The budget goal
amount appears in the Budget page.
7.5.2 Print Option

There is an option to print the data displayed for any selected criteria in the Expense
Analysis page. The option can be accessed by the clicking print icon on the page. Based
on the default printer setting, printout can be directly on paper or through a PDF file. Note
that the consumer can only print the transaction details of the current page.
NOTE: If there is no data available for a selected criteria, the print option will not be
available on that page.
By default, the print feature is off. However, for Yodlee MoneyCenter, this feature is on.
7.5.3 Expense Analysis FinApp
Chapter 7: Budget
7-22
Expense Analysis
The Expense Analysis FinApp offers many of the same features as the Expense Analysis
page. The following additional functionalities are available in the Expense Analysis
FinApp:
Add Accounts Consumers can add new accounts from the Expense Analysis
FinApp. Clicking Add Accounts opens the add account flow. For details about adding
accounts, see Chapter 5, Linking Accounts.
Print an Expense Analysis report - The print functionality lets consumers print an
expense report.
Set Budget Alerts Clicking the Alerts icon at the top of the Expense Analysis FinApp
opens the Configure Alerts page. By default, alerts will be delivered to the email
address showing under Email Address on the page. The consumer can edit the email
address. The email option for alerts can be activated only for verified consumer email
addresses. An appropriate message is displayed if the consumer has not verified the
email address.
Create Budget Consumers can choose to manage their spending by setting budget
goals. Consumers can edit a budget associated with a category by clicking Set
Budget Goal.
More Details Opens the Expense Analysis page where consumers can view their
expenses in greater detail.
Fig. 7-33: Expense Analysis FinApp - showing table and chart

Consumers can drag the Expense Analysis FinApp from the My FinApps tray and view it
on any page of the application. They can also move, resize, or remove the FinApp.
Chapter 7: Budget
7-23
Cash Flow Analysis
7.6
Cash Flow Analysis

The Cash Flow Analysis report provides a bar chart representation of a consumer's
income versus spending and the cash remaining over a period of time. At the bottom of
the Cash Flow Analysis report is a tabular representation of the same information. Each
cell in the table is a link that takes the consumer to transactions matching that total.
7.6.1 Report Views

The consumer can choose to run the Cash Flow Analysis report for the last 3 months,
last 6 month, last 12 months, this week, last week, this month, last month, this year, or
last year. The consumer can retrieve all transactions by selecting All.
Fig. 7-34: Cash Flow Analysis Chart shows graphic and tabular view
Consumers can see the Cash Flow Analysis report in their preferred currency and date
format.
If the period of the report selected is 12 months, each row is a month's worth of
transactions and is broken down into banking deposits/withdrawals and credit card
payments/purchases columns. The Cash Flow Analysis report also displays the average
monthly net cash flow and total net cash flow for the selected period. If the selected
period for this report is 3 months, then each row is a week's worth of transactions.
Consumers can choose to include transfer transactions that belong to the following
categories: Credit card payments, Savings, Securities, and Transfers. Consumers
also have the option to include business expenses and/or future transactions in the Cash
Flow Analysis chart.
The Net Income table will display the top 5 income sources. For expenses, only the top 5
expense categories are shown. The balance of the categories under expense will be
listed in Other.
Chapter 7: Budget
7-24
Cash Flow Analysis
7.6.2 Transaction Drill-down from the Cash Flow Analysis Page

Consumers can drill down to Transactions page from the Cash Flow Analysis page to
view income, expenses, deposits, or withdrawals details.
After choosing an amount from the Cash Flow Table, consumers view relevant
transactions in the Transactions FinApp for banking and card related deposit/withdrawal
amounts. If consumers choose between the Banking Withdrawals and Credit Card
Payments options, only credit transactions and transactions from bank and card accounts
in the selected account groups are displayed respectively. Similarly for Banking
Withdrawals and Credit Card Withdrawals, only Debit transactions and transactions from
bank and card accounts in the selected account groups are displayed.
If the consumer chooses the Include Project Cash Flow option, the future transactions up
to the future date that are available on the Cash Flow Analysis page are displayed.
NOTE: Only Cleared and Posted transaction details can be included for display because
transactions that have not cleared are not available in the Net Income section.
Chapter 7: Budget
7-25
Credit Card Utilization Report
7.7
Credit Card Utilization Report

The Credit Card Utilization Report helps consumers evaluate their credit card spending
against their credit limits for each registered card for a selected account group.
Fig. 7-35: A Credit Card Utilization Chart and Report

The chart displays the credit limit, current balance, and also highlights overspending, if at
all, for each credit card. The consumer has the option to view the credit card utilization
chart and report in the preferred currency.
Chapter 7: Budget
7-26
Chapter 8: Net Worth
Yodlee PersonalFinance offers a variety of tools to measure and track changes in a

consumers financial net worth.
8.1
Net Worth Statement Lists a consumers assets and balances
Net Worth Change FinApp Displays changes in a consumers financial net worth
over time
Net Worth Performance FinApp Displays changes in the performance of a

consumers accounts over time
Assets Allocation FinApp Shows the percentages of the total asset amount
distributed across multiple accounts
Liabilities Allocation FinApp Shows the percentages of the total liabilities amount
distributed across multiple accounts
Portfolio Change FinApp Displays changes in a consumers portfolio over time
Portfolio Manager Aggregates investment holdings from multiple sources and

presents consumers with a complete picture of their investment portfolio
Net Worth Statement

The Net Worth Statement appears in a page that displays a consumers account names
and balances in different categories such as banking, insurance, investments, and credit
cards to show the consumer's net worth (the difference between assets and liabilities).
8-1
Net Worth Performance FinApp
Fig. 8-1: Example of a Net Worth Statement page

Consumers can see the value of their net worth in their preferred currency. For example,
if a consumer holds accounts in US dollars (USD) but chooses pound sterling (GBP) as
the preferred currency, the net worth value will be shown in GBP.
On clicking the Preferences link, consumers can choose the accounts that they want to
include in the net worth calculations.
8.2

The Yodlee Net Worth Performance FinApp shows how a consumers accounts have
performed in the consumers net worth over time. Consumers can see the percentage of
change in the value of their accounts and choose among the following time filter options:
1 week, 2 weeks, 1 month, last 3 months, last 6 months, last 12 months, this week, last
week, this month, last month, this year, and last year. The default value is 1 month.
The FinApp tracks the performance of the following account types:
Bank
Card
Investments
Loan
8-2
Mortgage
Real Estate
Insurance
Fig. 8-2: Yodlee Net Worth Performance FinApp

The Yodlee Net Worth Performance FinApp is available in small and medium size.
The following functions are available in the Net Worth Performance FinApp:
Add Account A link that initiates the add account flow that allows consumers to add
an account.
Alerts FinApp shows alert settings link for consumers to directly navigate to the
Manage Alerts page where they can set up net worth alerts. The Alert link is
cobrandable and cobrands can turn it off. The default is ON.
Percent Net Worth Shows the change in current net worth (No change/Flat,
Increase, or Decrease)
Combo icon Turn on or off combo view (pie chart and tabular display).
8-3
8.3
Asset allocation charts and liabilities allocation charts are also displayed on this page.
View More Takes consumers to the Net Worth page so they can see a more
complete picture of their financial net worth.

The Assets Allocation FinApp displays a consumers active asset accounts.
The Asset Allocation FinApp displays the details of active asset accounts selected by the
consumer. Consumers can view their current and total asset account balances. An assets
chart or table shows the percentages of the total asset amount distributed across multiple
accounts.
Settings Allows consumers to show or hide asset accounts in the chart/table.
Add Account link Starts the add account flow enabling consumers to add new
accounts.
Alerts link Consumers can create alert settings for their asset accounts. For
example, a consumer can set an alert to warn them when the total balance of an
investment account passes a defined threshold.
Account Group Filter Consumers can filter accounts based on account group. When
the consumer chooses an account group, the chart or table contains only the assets
accounts belonging to that group.
8-4
Fig. 8-3: Asset allocation chart

A No Data State message appears if a consumer has not added any accounts. The
consumer can use the available link to launch the add account flow and add an account.
Fig. 8-4: Assets Allocation FinApp No accounts have been added

A No Data State message is displayed when there is no data available for the selected
criteria in the Assets Allocation FinApp. The consumser has the option of changing the
selection in the account filter.
Fig. 8-5: Assets Allocation FinApp No data available in the account group selected
8.4

The Liabilities Allocation FinApp displays the details of active liability accounts selected
by the consumer. Consumers can view their current and total liability account balances. A
liabilities chart or table shows the percentages of the total liability amount distributed
across multiple accounts.
Settings Allows consumers to show or hide liabiltiy accounts in the chart/table.
8-5
accounts.
Alerts link Consumers can create alert settings for their liabilities accounts. For
example, a consumer can set an alert to warn them when the total balance of a credit
card account passes a defined threshold.
Account Group Filter Consumers can filter accounts based on account group. When
the consumer chooses an account group, the chart or table contains only the liabilities
accounts belonging to that group.
Fig. 8-6: Liabilities Allocation FinApp

A No Data State message appears if a consumer has not added any accounts. The
consumer can use the available link to launch the add account flow and add an account.
8-6
Net Worth Change FinApp
Fig. 8-7: Liabilities Allocation FinApp No accounts have been added

A No Data State message is displayed when there is no data available for the selected
criteria in the Liabilities Allocation FinApp. The consumser has the option of changing the
selection in the account filter.
Fig. 8-8: Liabilities Allocation FinApp No Data State Message No data available in the
account group selected
8.5

The Yodlee Net Worth Change FinApp displays the amount and percentage of change
in the consumer's net worth.
Consumers can set the time period and accounts or account group they want to use in
their net worth change calculations. The Accounts filter includes All Accounts followed by
My Groups, which contains consumer created groups. The default value for the Accounts
filter is All Accounts. The Time filter has the following options: 1 week, 2 weeks, 1 month,
3 months, 6 months, 12 months, this week, last week, this month, last month, this year,
and last year. The default value is 1 month (and the default can be changed by the Yodlee
customer).
8-7
Filtering and the following additional capabilities are available depending on the FinApp
size chosen by the consumer. Yodlee customers can turn these functionalities on or off for
their consumers.
accounts.
Alerts link Allows consumers to create alert settings for their account. For example,
consumers can create alert settings that inform the consumer when defined
thresholds have been exceeded.
More Details link Opens the Yodlee Net Worth Statement page where consumers
can view their net worth in greater detail.
The following table shows the functionality available based on FinApp size.
Table 8-1: Net Worth Change FinApp functionality
Account
Filter
FinApp size
Time Filter
Add Account
Manage
Alerts
More Details
Medium
Yes
Yes
Yes
Yes
Yes
Small
Yes
Yes
Yes
Yes
Yes
The Yodlee Net Worth Change FinApp displays the amount and percentage changes in
net worth for the given period. Additionally a message with an indicator is displayed
denoting whether an increase, decrease or no change in Net Worth has occurred:
Increased Net Worth change: Your Net Worth has increased with a green an arrow
pointing up.
Decreased Net Worth change: Your Net Worth has decreased with a red arrow
pointing down.
No change: Your Net Worth has not changed with a neutral indicator displayed.
NOTE: Net worth is calculated by subtracting liabilities from assets. Refer to Fig. 8-10:
List displaying the time filter values for definition of assets and liabilities.
Net worth change is the difference between the net worth at the end of the time period
specified (Net Worth as of the To date) and that at the beginning (Net Worth as on
From date).
% change in net worth for a given period is calculated as (Amount change in Net
Worth *100)/ (Net Worth as of the From date).
8-8
Fig. 8-9: Net Worth Change showing a net worth update

The following table contains information about how to calculate a time filter value from
and to date.
Fig. 8-10: List displaying the time filter values
8.5.1 Net Worth Calculation

NOTE: Yodlee stores historical account balances as data points for an account to
ensure that the account balances are synchronized with the transaction register.
8-9
Table 8-1: Net Worth Calculation

Net Worth Module
Formula/Logic
Net Worth
calculation
Net worth = Assets (sum of banking, investment, real estate value, insurance and other
assets) - Liabilities (sum of loans, mortgages, credit card balances and other liabilities)
Net Worth change
Two data points are required to populate net worth change and charting.
Weekly change is shown until one month's data is populated and the chart will be
weekly for five weeks.
The % change is the difference between net worth on the current date and at the end
of the previous month.
8.5.2 Charting Logic

The Charting Logic table shows the data points captured in the time frames the consumer
can select to chart their financial net worth.
Table 8-2: Charting Logic
Net Worth Chart
Formula/Logic
Chart - 3 months
Weekly data points. Weekly data point is captured as of Saturday of the week
Chart - 6 months
Monthly data points. Current month plus previous 5 months
Chart - 12 months
Monthly data points. Current month plus previous 11 months
Chart - This year
Monthly data points. Current month plus previous months of the year
Chart - Last year
The data points are calculated as:

Start date = 1st day of previous year and
End date = current years 1st date - 1st day
Data Table
Data table shows weekly (today - end of last week) movements for the three months net
worth performance chart and monthly movement, for all other periods.
By using the Preferences link in the Net Worth Statement page, consumers can refine the
view to include all or only some accounts by editing net worth display preferences.
8-10
Portfolio Manager
Fig. 8-11: Editing net worth display preferences Get new shot
8.6
Portfolio Manager
The Portfolio Manager module aggregates investment holdings from multiple sources
and presents consumers with a complete picture of their investment portfolio. Data within
the module can be grouped by holding (which displays aggregate positions across all
accounts) or by account (which displays holdings in each account added).
The Portfolio Manager module displays the quotes for stocks and mutual funds gathered
from the aggregated investment sites. The fields available for review may vary by the
institution for which data is gathered. If current information is unavailable or the institution
doesn't provide information, N/A is presented to the consumer.
Consumers can see their total portfolio value in the preferred currency and date format.
For example, a consumer with investment holdings in multiple currencies such as GBP,
Canadian Dollar, and Japanese Yen can see the portfolio's total value in US dollars by
selecting it as the preferred currency, and can set the date format as mm/dd/yyyy on the
Edit Personal Profile and Regional Settings page.
8-11
Portfolio Manager
Fig. 8-12: The Portfolio Manager page

The Portfolio Manager module also displays a summary of the aggregated holdings in
each account, the market value of the holdings, and the total portfolio value. For each
holding, the portfolio accounts summary displays the total cash, total loan, total margin,
total short balance, and the entire portfolio total.
Consumers can use the Group By drop-down list to choose between a portfolio account
and holding.
The Portfolio Manager module also includes the daily change in both amount and
percentage terms.
The account name is displayed as a link. Consumers clicking the link are taken to the
transactions page where they can view future transactions, transactions in progress, and
cleared transactions. If there are duplicate accounts or erroneous transactions,
consumers can manually reconcile them. By clicking Add Manual Transactions, they
can add transactions manually. For details, refer to Adding Manual Accounts on page 512.
The Portfolio Manager module supports five types of standard views:
Fundamentals
8-12
Portfolio Manager
Daywatch
Summary
Performance
Performance/Lot
These views have a predefined set of columns but consumers can edit these views and
customize them to suit their needs.
Fundamentals View
In the Fundamentals view, the Portfolio Manager page displays the following fields:
Symbol, Name, Price, Market Cap, EPS (ttm), P/E (ttm), Beta, Dividend, Div Yield
Daywatch View
In the Daywatch view, the Portfolio Manager page displays the following fields:
Symbol, Price, As of (EST), Change (Amt),% Change, Volume, Intraday Range (High/
Low)
Summary View
In the Summary view, the Portfolio Manager page displays the following fields:
Symbol, Price, As Of (EST), Change (Amt),% Change, Quantity, Market Value, Value
Chg,% of Assets, More Info
Performance View
In the Performance view, the Portfolio Manager page displays the following fields:
Symbol, Price, Quantity, Cost Basis, Market Value, Unit Cost, Value Chg, Gain/Loss
(Amt), % Gain/Loss
Performance/Lot View
In the Performance/Lot view, the Portfolio Manager page displays the following fields at
an individual tax lot level per holding:
Symbol, Price, Quantity, Cost Basis, Market Value, Unit Cost, Value Chg, Gain/Loss
(Amt),% Gain/Loss
8.6.1 Adding New Views

Consumers can create new views by clicking the Add View link from the Edit Portfolio
Views page. Consumers must provide a name and select the columns to be hidden/
displayed for the new view from a master list. Depending on the location of the financial
institution hosting Yodlee PersonalFinance, some of these columns may not be available
for incorporation into a custom view.
8-13
Portfolio Manager
8.6.2 Editing a Portfolio View

Consumers can edit an existing portfolio view by clicking the Edit Views link from the
Portfolio Manager page. By clicking Edit against the portfolio view name to be modified,
the Edit View page is displayed where consumers can edit the view name and also move
fields between Show and Hide columns.
Fig. 8-13: An example of Edit View page

NOTE: Depending on the market and the source-site, some of these columns may or
may not be relevant for a financial institution.
8.6.3 Editing Portfolio Preferences

Consumers can edit an existing portfolio by clicking the Edit Portfolio Preferences link.
Consumers can choose the accounts to display in the module by selecting or clearing the
check boxes next to the account name on the Customize Portfolio Display page.
8.6.4 Editing Holdings

Clicking the Edit link of an existing account from Portfolio Preferences will open the Edit
Holdings page. This page displays the holding type and quantity of holding with an
option to capture information on price, and commission paid and the purchase date.
8-14
Portfolio Manager
Fig. 8-14: An example of Edit Holdings page

Clicking the Edit Lot link of existing investments/holdings will open the corresponding
Edit Lots page. A lot is a block of shares of an individual security. Consumers can break
this lot into multiple lots to enter quantity, date, and cost information for individual
purchases of that security.
Use of Quote Feed
The portfolio values are updated with the 20 minute delayed quotes from the market data
feed.
8.6.5 Charting
Consumers can view the detailed chart for their portfolio by clicking the View Portfolio
Chart link on the navigation menu of the main screen in the Portfolio Manager module.
Charts are provided for both assets allocation and portfolio performance. The portfolio
assets allocation can be viewed on a weekly or monthly basis.
8.6.5.1 Asset Allocation

The following charts are supported for asset allocation:
8-15
Portfolio Manager
Allocation by Position Market Value
Allocation by Account Balance
8-16
Portfolio Manager
Allocation by Asset Class
Fig. 8-15: Examples of asset allocation charts
8.6.5.2 Portfolio Performance Chart

The Portfolio Performance chart depicts the performance of the portfolio over time.
Consumers can opt to generate the chart for the past three or twelve months by selecting
the appropriate option from the Show Chart for the past menu and clicking Go.
8-17
Yodlee Portfolio Change FinApp
Fig. 8-16: A sample view of Portfolio Performance chart
8.7

The YodleePortfolio Change FinApp displays the amount and percentage change in
the consumer's investment portfolio. This Yodlee FinApp is available in the Yodlee FinApp
Center where consumers can add this FinApp and use it on any page in the application
by dragging it from the My FinApps tray onto the page.
8-18
Fig. 8-17: Portfolio Change FinApp view

Consumers can filter by Accounts and Time period to display the net worth data for. The
Accounts filter includes All Accounts followed by My Groups, which contains consumer
created groups. The default value for the Accounts filter is All Accounts. The Time filter
has the following options: 1 week, 2 weeks, 1 month, last 3 months, last 6 onths, last 12
months, this week, last wek, this month, last month and this year and last year. The
default value is 1 month.
Filtering and the following additional capabilities are are available depending on the
FinApp size chosen by the consumer. Yodlee customers can turn these functionalities on
or off for their consumers.
accounts.
Manage Alerts link Allows consumers to create alert settings for their account.
More Details link Opens the Yodlee Portfolio Manager page where consumers can
view their portfolio in greater detail.
The following table shows the functionality available based on FinApp size.
Table 8-1: Portfolio Change FinApp functionality
FinApp size
Account
Filter
Time Filter
Add Account
Manage
Alerts
More Details
Medium
Yes
Yes
Yes
Yes
Yes
Small
Yes
Yes
Yes
Yes
Yes
8-19
The Yodlee Portfolio Change FinApp displays the amount and percentage changes in
value for the given period. Additionally a message with an indicator is displayed denoting
whether an increase, decrease or no change in value has occurred:
Increased value change: Your Portfolio has increased with a green an arrow pointing
upwards
Decreased value change: Your Portfolio has decreased with a red arrow pointing
downwards
No change: Your Portfolio has not changed with a neutral indicator displayed
NOTE: Portfolio change is the difference between the portfolio value at the end of the
period specified (portfolio value as of the To date) and that at the beginning
(portfolio value as of the From date). % change in Portfolio for a given period is
calculated as (Amount change in portfolio *100)/ portfolio value as of the From
date).
The No Data State message is displayed when there is no data available for the selected
criteria for the Portfolio Change FinApp. This message is displayed when the consumer
might not have added any investment account or even if the account is added, it does not
have any data added to it.
NOTE: The No Data State message can be customized and can be turned on or off (i.e.,
has ON/OFF switch). That is, if a consumer turns this ON, then the above
mentioned message is displayed. And if it is turned OFF, then the "No data to
display" message is displayed.
By default, the No Data State message for the Portfolio Change FinApp is turned OFF.
However, for Yodlee MoneyCenter, the message is turned ON.
8-20
Chapter 9: Managing Accounts
9.1
Overview
The Manage module allows consumers to manage aspects of their accounts. The
following views can be accessed from this module:
9.2
Manage Categories
Account Groups
Account Sharing
Alerts
Managing Categories
Consumers can categorize transactions that occur in their accounts. Categories are
flexible and can be sliced and diced in several ways. Consumers can:
Rename broad categories
Create subcategories
Hide categories
Categories are organized into four main groups Expenses, Income, Transfer, and
Deferred Compensation.
NOTE:
9-1
Managing Categories
Fig. 9-1: The Manage Categories page
9.2.1 Renaming Categories

Consumers are free to edit category names to make them more personally meaningful.
For example, a consumer can rename the Automotive Expenses category as New Car in
honor of the cars nickname. This may help the consumer pick out vehicle related costs
when reviewing a budget or the transaction record.
Fig. 9-2: The Automotive Expenses category
9.2.2 Creating Subcategories

Within a broad category, whether the consumer has renamed it or not, it is possible to
create subcategories by clicking the Manage Subcategories link. So, for this consumer's
Automotive Expenses category, subcategories have been added for the mechanic and for
servicing. The list is automatically alphabetized. Creating subcategories enables
consumers to set a more accurate budget and takes the number of system-provided
categories to a virtually unlimited number.
Fig. 9-3: Automotive Category with subcategories showing in an expanded view.
9.2.3 Hiding Categories

Consumers can choose to hide categories from appearing in the drop-down list of
categories by clearing the check boxes in the Show Category column of the Manage
Categories page. When a category is hidden, the subcategory is also hidden.
9-2
Account Groups
9.3
Account Groups
Consumers can create groups for tracking multiple accounts at a glance and incorporate
the account group into one or more spending reports namely budgeting, expense
analysis, cash flow analysis, net worth, and credit card utilization. So, for example, a
consumer might want to create a group for credit cards from bank A and another group
comprised of loans from banks A and B, and insurance company C.
Fig. 9-4: Process of adding an account group
9.3.1 Editing an Account Group

Consumers can use the Edit link to modify the name of the account group and choose to
include/exclude this group from the list of account groups.
9.3.2 Deleting an Account Group

Consumers can delete an existing account group by clicking Delete on the Account
Groups page. This account group is then removed from Yodlee PersonalFinance. The
account group must be re-created to add it again.
9.4
Account Sharing
At the consumer's discretion, access to an account can be shared with a trusted
individual like spouse or financial advisor. The Account Sharing page has two sections:
You Have Shared Account(s) With and Others Who Have Shared Accounts With
You.
9-3
Account Sharing
To share an account, consumers must supply the name and email address of the sharer,
along with a message. For security purposes, they must also supply a shared secret that
has to be confirmed by the sharer to get access to the account. They can also write a
memo that will not be visible to the sharer. They can use the memo space to record
details of why they decided to share the account, or why they made the existing access
choices, or include other important information.
Fig. 9-5: Process of sharing accounts with another person

Access privileges offer further sharing safeguards. For example, a consumer might want
to give view only privileges to an accountant, view and alert privileges to a business
manager, and full access to his/her spouse. The consumer can change these privileges
and can also discontinue sharing at any time.
A consumer receiving an account sharing invitation logs in to the application and
accesses the Customize page. In this page, the consumer selects the Accept Sharing
Offer link and enters the sharing request ID received in the email invitation.
9-4
Alerts
Fig. 9-6: Consumer selects Accept Sharing Offer to accept the account sharing invitation
Fig. 9-7: Consumer enters the Request ID

On selecting Continue, the consumer is prompted to enter the shared secret. Access to
the account is granted when the consumer correctly enters the shared secret.
NOTE: In prior versions of Yodlee PersonalFinance (9.0.4) the consumer could directly
accept the sharing invitation by selecting the link received in an account sharing
email invitation. When logging in to the application the consumer was
immediately prompted to enter the shared secret without having to go to the
Customize page.
9.5
Alerts
Consumers can configure and edit alerts that they wish to receive across one or more of
their accounts. They can select or unselect alerts by checking the select/unselect option.
9-5
Alerts
Fig. 9-8: Configuring alerts

The threshold amount values for cumulative alerts will be populated in the drop-down
menu in the consumer's preferred currency and date format.
9-6
Alerts
The Configure Alerts page allows consumers to edit the email address to which alerts
are to be sent. By adding a mobile number, consumers can choose to receive alerts in the
Alert Inbox and on a mobile device.
9-7
Chapter 10: Financial Calendar
The financial calendar allows consumers to view account balances, scheduled and
completed transactions, upcoming bills, and funds transfers for the selected month for an
account or account group. It is updated whenever there is a transaction such as a bill
payment or a funds transfer and when the consumer refreshes the page.
The financial calendar is available as one of the main tabs after logging into the
application. Consumers can also access the financial calendar by clicking the Go to
Calendar link displayed as account-level links on the Account Summary page. That
account will be selected automatically from the Select Accounts drop-down menu on the
Financial Calendar page.
Fig. 10-1: Enhanced financial calendar

In Fig. 10-1: Enhanced financial calendar the preceding image, weekends, holidays, and
the previous and next months are shaded to differentiate them from the current month. A
day is highlighted when selected. The single day view of the financial calendar displays in
detail bills due, balances, transactions, funds transfers, payments, and projected
balances of banking accounts. Consumers can perform actions such as add, edit, or
cancel manual transactions, or edit aggregated transactions pay bills, and mark bills as
paid.
Consumers can choose to view bills, transactions, and account balances by selecting an
account from Select Accounts and the account type from Options, for a specific month,
from the drop-down menus. The Options drop-down menu is an extra filter that acts as a
check box for account types such as bills, funds transfers, account balances, and
10-1
Payments
transactions. Consumers can select all options or a few. The options of the selected types
are displayed in the single day and month view. They can also see the calendar
information for the previous/next month by clicking the respective links.
The Projected Balances link provides information on how projected balances are
calculated, how to improve the accuracy of projected balances, and other related
information.
Bills from shared accounts are separately shown under the sub heading Bills from
shared accounts. Because sharees can only view bills regardless of their permission
level (view-only or view & edit), no radio buttons or edit functions such as Mark Bill as
Paid are available on the Financial Calendar. For information about account sharing, see
Account Sharing on page 9-3.
Fig. 10-2: Day view showing bills for shared accounts
10.1 Payments
Consumers can see all payments scheduled or sent/cleared/paid for the selected day in
the single day view panel. A failed payment will be displayed in red. Consumers can see
the scheduled payments when a future date is selected. Similarly, when a past month is
selected, the bill payments in the day block and day view panel will be shown. Bill
payments should be enabled and Bills should be selected from the Options menu.
10.2 Funds Transfer

Consumers can see scheduled and completed transfers in the day block and single day
view panel when a day is selected in the current month if the Yodlee FundsTransfer
module is enabled. Consumers will be redirected to the Transfer Activity page if Funds
Transfer is selected in the Options drop-down menu.
10-2
Posted and Scheduled Transactions
10.3 Posted and Scheduled Transactions

Consumers can see up to six posted (i.e., cleared) transactions and scheduled or
upcoming transactions in each day panel of the calendar. Transactions can be viewed in
the currency and date format chosen by consumers.
10.4 Actual Account Balance Changes

Consumers can see the actual balance at the beginning of every month. If consumers
choose to view the account balance of a previous month they can see the last actual
balance of that month. Revised balance can be known for single account selected from
Select Accounts and account type from the Options drop-down menus. The account
balance is not shown in the panel for account group.
10.5 Projected Account Balance Changes

Consumers can see the upcoming account balance from the present day through the end
of the month if a single banking account and account type is selected from the Select
Accounts and the Options drop-down menus, respectively. They can also see projected
balances for the rest of the month.
Consumers can see the expected account balance for a banking account for the next 60
days when it is selected. But if an account group is selected, the expected account
balance is not displayed in the day panel. Consumers cannot view a projected balance
other than for bank accounts.
10.6 Adding Manual Transactions

Manual transactions can be added by clicking the Add Manual Transactions tab on the
day view panel. Consumers can select an account from the list of bank, card, loan,
mortgage, and investment accounts in the drop-down menu. They have to select the
transaction type such as Deposit, Withdrawal, or Investment. The dialog box will
change depending on the transaction type selected. Information required for adding an
investment account will differ from that for a banking account.
A manual transaction can be cancelled or deleted by selecting the account from the
single view panel and clicking Delete Transaction. Cancelled manual transactions will
not appear on the Financial Calendar page. When consumers delete an account on the
Edit tab of the Accounts page, the corresponding account balance, bills, payments,
transfers, and transaction details will not be displayed in the Financial Calendar page.
10-3
Edit Aggregated Transactions
Fig. 10-3: The dialog box for adding a manual transaction

To edit a manual transaction, click the account name that is also a link on the single day
view. A dialog box with the transaction details will appear; make the required changes
such as changing Category or Transaction Type, and click Save.
Any changes made to the manual transactions will be reflected on Dashboard and Net
Worth pages.
10.7 Edit Aggregated Transactions

Consumers can edit aggregated transactions by selecting the transaction from the single
day view. They can change the category, class, and so on and click Save Transaction.
10-4
Day Panel View
Fig. 10-4: Aggregate transaction dialog box
10.8 Day Panel View

To enhance the consumer experience, each day panel is divided into seven horizontal
slots. The first slot contains date and holiday information. The rest of the slots have
information such as balance, bills, funds transfers, payments, and transactions. However,
for the last slot, the balance will have priority over bills, funds transfers, payments, and
transactions. Bills with the largest amount due will be displayed first followed by bills for
smaller amounts. Similarly, future-dated bills for larger amounts will be shown first
followed by bills for smaller amounts. The most recent transactions will be displayed at
the top of the list.
Fig. 10-5: Day panel view

If there is more information than the slots can contain, the last slot will display, More
The amounts for debit transactions are shown in red.
10-5
View Options
Fig. 10-6: An example of the tooltip displaying a transaction on a Day panel

Tooltips are added in the Day panel view and Single Day panel. On moving the mouse
pointer over relevant sections, consumers can see the bill account name; transaction,
funds transfers, and payment descriptions; or account name for balances section in its
entirety.
The Financial Calendar is shaded to show past and current days. Past days are shaded
and future days are clear.
Consumers can view the calendar information for the previous/next month by clicking the
respective links from the Financial Calendar page. They can also choose to view the
financial calendar for a specific month by using the For this month menu.
Consumers will be taken to the Account Summary page when the View account details
link is clicked. Similarly, the View Bills, Pay Bill, or View Payment links will be displayed
in the Day Panel view, if bills are to be paid or viewed.
At the bottom of the Financial Calendar, a summary of bills due, transfers, payments, and
manual transactions for that month will be displayed. Similar details of the last week of the
previous month and the first week of the next month will also be shown.
10.9 View Options

The All Accounts option is available the first time a consumer views the financial
calendar. The accounts or account group selected by the consumer will become the
default option.
If a previous or future month is selected, the default view in the day panel will be the first
day of the month.
If the present month is selected, the default view in the day panel will be the current day
of the month.
The icons on the financial calendar indicate:
Projected balance
A deposit made to the account
A bill is due
A future bill
10-6
Single Day View
A recurring bill
A manual transaction
10.10 Single Day View
Fig. 10-7: Single day view
10.11 Bills
Bill reminders are generated for bills that are linked with the Yodlee PersonalFinance
application. Consumers will not be able to see the Pay Bill link in the Bills section if the
BillPay module is not enabled. When consumers click a bill name that is also a link, they
are taken to the bill or payment page, depending on the status of the bill. Scheduled bill
reminders are received for credit cards, loan accounts, and recurring and one-time
manual payments. The total bills due in a month are displayed in the currency and date
format chosen by the consumer.
The Day panel displays up to six bill reminders for each day. If there are more than six
scheduled bills in a day, the details are displayed in the single day view window.
Consumers can select a bill and mark it as Paid or Pay bill, which will appear as a dialog
box. Only the unpaid bills are displayed in the monthly view, day view, and the
Dashboard page. The bill reminders are displayed independent of the account type
selected. Bills with the largest amounts due are displayed first, followed by bills for
smaller amounts.
10-7
Yodlee Financial Calendar FinApp
10.12 Yodlee Financial Calendar FinApp

The Yodlee Financial Calendar FinApp is a small-size FinApp available in the Yodlee
FinApp Center. It displays all the bills, transactions, and funds transfers that are either
due or scheduled for payment on the current date.
The projected and running balances are also displayed for the accounts with activity for
the selected date. Consumers can add this FinApp into MyFinApps and use it on any
page in the application by dragging it from the My FinApps tray onto the page.
Consumers can filter the data to be displayed by Accounts and Date. The Accounts filter
allows consumers to view details of account groups as well as individual accounts. By
default, data for all the accounts is displayed. Consumer can view available data for any
date in the past or future.
This FinApp displays transactions, bills, transfers, and running and projected balances.
The date is displayed only in the case of bills. When data is not available, the system
displays the current date and against each item - bills, transactions, and transfers - a
message for No Bills Due, or No Transactions Scheduled is displayed, respectively.
Fig. 10-8: Yodlee Financial Calendar FinApp
10-8
Chapter 11: Support
Consumers can obtain Yodlee support through the Support module. The following types
of support are available to consumers:
Yodlee CustomerCare Available by selecting Support in the Support menu.
Yodlee Help FinApp The FinApp is available in Yodlee FinApp Center.
Yodlee Forum Available in the Forum link, Yodlee Forum provides FAQs and other
information and allows consumer interaction.
Support links can be accessed in the Support menu.
Fig. 11-1: Support menu offers support links
11.1 Customer Care

Consumers can submit service requests and receive assistance from the Yodlee
CustomerCare team. They can ask for help in tracking payments and reconciling payment
errors as well as suggest sites that they would like to add. Suggestions regarding features
or improved functionality are also welcome. Consumers can request service for
miscellaneous matters using the General Questions designation.
NOTE: The Yodlee Support module may require procurement and deployment of
Yodlee CustomerCare solution to allow consumers to submit and track
outstanding service requests.
11.1.1 Customer Care page

The Customer Care page shares any email message responses to the consumer from
the Yodlee CustomerCare team and shows a list of service requests that the consumer
has submitted. This allows consumers to keep track of what they have asked for and
when they can expect resolution.
When the customer care team is in the process of resolving a service request, the
consumer might be contacted by email. A primary tier 1 customer care team can also
email follow-up questions to the consumer.
Chapter 11: Support
11-1
Customer Care
Consumers can view new messages sent by the customer care team. Clicking the
Message Center link displays the messages.
Fig. 11-2: View Your Messages page showing a list of messages from Yodlee CustomerCare
Under Service Requests consumers can see a list of all service requests they have
submitted. When they click the Request ID or the Summary, the Service Request
Details page opens where they can add comments or attachments to help the service
representative resolve the issue. Consumers can also see the service request history and
the work log and close the service request.
Chapter 11: Support
11-2
Customer Care
Fig. 11-3: An example of Service Request Details page
11.1.2 Submitting a Service Request

Consumers can submit a service request by selecting Submit Service Request under
the Support menu. Consumers can submit a service request based on the service
request type, subtype, and account name. A description of 1024 characters can be
entered and a maximum of five attachments not larger than 5 Mb combined can be
uploaded.
Chapter 11: Support
11-3
Customer Care
Fig. 11-4: Sample of the Submit a Service Request page

As part of the submission process, service requests are given an ID number so that they
can be tracked by the customer service team and by the consumer.
Account access privileges vary among customer care team members and all activities by
team members are captured in a log. Security and accountability are integral components
of all Yodlee CustomerCare team transactions.
11.1.3 Problems Accessing an Account

Consumers can submit service requests from the Yodlee MoneyCenter Login page.
The I cannot access my account link appears below the Yodlee MoneyCenter ID box.
Fig. 11-5: I cannot access my account link on Yodlee MoneyCenter Login page
Chapter 11: Support
11-4
Customer Care
When a consumer clicks the I cannot access my account link, the Problems
Accessing My Account page appears. A consumer can select a category for the
question from the drop-down list. The options to resolve a consumers login problems are:
I have forgotten my Yodlee ID
My account is locked
Consumers who have forgotten their Yodlee MoneyCenter ID can select the first option.
Fig. 11-6: Sample for the I have forgotten my Yodlee MoneyCenter ID option
Consumers are asked to specify an email address. On clicking Continue, they will
receive an email with a link to a web page where they must answer the security questions
created at the time of registration.
If the email address provided is correct and is registered with Yodlee

PersonalFinance, the above confirmation message appears and the consumer will
get an email.
If the email address is incorrect, the page will refresh with an error message.
Consumers whose Yodlee MoneyCenter account is locked can select the My account is
locked option.
Fig. 11-7: Sample for the My account is locked option

Consumers must submit information regarding:
Chapter 11: Support
11-5
Help FinApp
Yodlee ID: Their unique Yodlee ID used to log in to Yodlee MoneyCenter generates.
Description of your issue: A brief description of their concerns.
A consumer's account can be locked if the number of failures to log in has exceeded the
count specified by a customer service administrator. The maximum number of
unsuccessful login attempts permitted is seven.
The account can also become locked if incorrect security answers are provided during
account verification.
Consumers clicking the Submit Service Request link will be directed to the Service
Request Confirmation page with a service request number.
A Yodlee CustomerCare representative will track the service request number and will
unlock the consumers account using the RSA CSR tool.
11.2 Help FinApp

The Help FinApp educates consumers about various features and functionalities of
Yodlee MoneyCenter. This FinApp can be accessed from the FinApp Center, from the
header menu, and at the FinApp level.
The Help FinApp added from the FinApp Center into consumer FinApp tray can be
loaded onto any page in the application. The FinApp displays context sensitive content
specific to the current page.
Fig. 11-8: Help FinApp contains context sensitive information about the current page
Consumers can access the Help FinApp from anywhere in the application by clicking the
Help icon available on the header menu. When the consumer clicks the Help icon context
sensitive information is displayed in a pop-up box. While the pop-up box is open,
consumers can access the functionality of the FinApp. For example, a consumer can use
all the functionality of the Transaction FinApp while the Help FinApp is open.
Chapter 11: Support
11-6
Data Integration Support
Fig. 11-9: A Help pop-up appears when a consumer clicks the Help icon in a FinApp - Example:
clicking Help in the Transaction FinApp
Consumers can drag, minimize, maximize, and close a pop-up box.
The Help FinApp can be customized. Note that this feature is off by default. However, for
Yodlee MoneyCenter, it is on.
11.3 Data Integration Support

Support is available for market data for the United States, Canada, UK, India, and
Australia in the Portfolio Manager.
Table 11-1: List of Exchanges Supported
Country
Exchange Supported
UK
London Stock Exchange
Canada
TSX Venture Exchange

Toronto Stock Exchange
India
National Stock Exchange of India
Australia
Australia Stock Exchange (ASX)
Chapter 11: Support
11-7
Chapter 12: Yodlee FinApp Center
12.1 Yodlee FinApps

Some Yodlee features are available as FinApps. FinApps are discrete financial
applications available in windows that can be placed on any page in Yodlee
MoneyCenter. Some FinApps are available in the Dashboard by default. Consumers can
select other FinApps in the Yodlee FinApp Center and add them to the page. Published
FinApps include those developed by Yodlee or third party vendors.
12.2 Yodlee FinApp Center

The Yodlee FinApp Center is an online marketplace where certified FinApps are
published and appear in a tab in Yodlee. After navigating to the FinApp Center,
consumers can explore the list of available Yodlee FinApps by category and by popularity
(the highest rated appear first).
As new Yodlee FinApps are certified, they are added to the Yodlee FinApp Center
inventory and are available for publishing to Yodlee customers. Yodlee MoneyCenter
typically publishes all certified FinApps to the Yodlee FinApp Center. Customers can
select which Yodlee FinApps they want to share with consumers.
Customers have multiple options to make FinApps available to their consumers:
Available to consumers through the FinApp Center
Automatically available in the consumers FinApps tray
Automatically available to consumers on a page in Yodlee PersonalFinance
Available to consumers through pages in the customers online banking pages
FinApps available in the FinApp Center may either be free or have a cost associated with
purchase. If a FinApp is a paid FinApp, the Yodlee PaymentEngine will process the
payment and move money from the consumers payment account. FinApps have a one
time cost for purchase by a consumer but do not have any cost for upgrades.
12.3 Owning FinApps

FinApps can be created by:
Yodlee Those FinApps authored by Yodlee are most often part of Yodlee
MoneyCenter and work in service of core functions. These are covered by contract
SLAs and released to GA as part of Yodlees release cycle.
Yodlee as publisher When a partner creates a FinApp in conjunction with Yodlee,

Yodlee acts as publisher. Yodlee is responsible for the quality and accuracy of the
data. All customer support queries will be routed to Yodlee. Yodlee reserves the right
to make code changes to these FinApps for maintenance and upgrades.
Third-party FinApps These FinApps are provide AS IS and Yodlee is not

responsible for the accuracy or reliability of data supplied. The FinApps are certified
12-1
Terms and Conditions
by Yodlee but Yodlee makes no warranties, express, implied or otherwise, regarding

completeness, non-infringement or performance.
12.4 Terms and Conditions

Because most FinApps are extensions of Yodlee MoneyCenter, they are covered by the
same T&C agreement. If a FinApp requires an amendment to the standard T&C,
modifications are possible.
12.5 Hosting Options

Yodlee FinApps can be hosted/deployed in one of three ways:
A FinApp can appear on a Yodlee service page
It can be presented on a page outside the service pages, for example, an online
banking page
A FinApp can be hosted externally, that is, on a mobile phone, a desktop, or on the
website of a service provider
12.6 FinApp Scope

FinApps are intended to:
Create, access, display, or edit:
Consumer financial data, for example, account balances or transactions
Consumer profile data
Perform an action that:
Can push data to an external service
Send an alert to a consumer
Make a payment or transfer on a consumers behalf
Put something in the inbox or system tray
Enroll a consumer in another service
Store files or images
Is desirable
NOTE: Each FinApp will make consumers aware of what actions it can perform when it
is activated.
12.7 Published Yodlee FinApps

Consumers can browse for Yodlee FinApps under FinApp categories listed on the left
side of the main page of Yodlee FinApp Center. Category names are listed in alphabetical
order.
12-2
Published Yodlee FinApps
12.7.1 FinApp Categories

Yodlee FinApps are grouped in the FinApp categories appearing in Table 12-1:
Categories Names and Descriptions.
Table 12-1: Categories Names and Descriptions
Category Name
Description
Business
Money management
Deals
Deals, coupons, offers, and rewards
Investing
Investment help and tools
Mobile
FinApps that run on mobile devices
News
Deliver news and information
Planning
Help plan for the future
Protection
Protect accounts and identity
Rewards
Helps manage rewards accounts
Taxes
Helps estimate, manage, and pay taxes
Tools
General tools
12.7.2 Yodlee FinApps

Available Yodlee FinApps are as follows.
Table 12-2: Detailed descriptions of Yodlee FinApps
Name
Category
Description
Accounts
Business
Get a snapshot of your accounts and when they were last updated.
Assets Allocation
Business
See how your assets are distributed: your income, bank account,
investments, etc.
Alert Inbox
Business
Receive automatic alerts about your monthly budgets and get notified
when you exceed a budget category.
Bill Reminders
Business
Review statements from your linked accounts and see when your
payments are due. This can help you prevent late payments and any
associated fees or damage to your credit rating.
Deduction Finder
Taxes
See what H&R Block has identified as potential deductions and

credits based on your transactions.
Expense Analysis
Business
Presents a breakdown of a consumer's expenses by category in chart

or tabular form.
12-3
Published Yodlee FinApps

Name
Category
Description
File My Taxes
Taxes
Start your tax preparation in the Yodlee TaxCenter and finish with
H&R Block At Home. As part of the tax preparation process you will
be able to transfer your 1099 tax documents and deductible
transactions automatically.
Financial Calendar
Business
Financial Calendar displays all bills, transactions, projected balances

and fund transfers that are either due or scheduled for the current
date.
Getting Started
Provides an activity list and videos to assist in getting started with the
Yodlee MoneyCenter application.
Help
Business
Learn about the capabilities of Yodlee MoneyCenter features as you

access them.
Holdings
Business
View the current value of holdings associated with your investment

account.
Liabilities Allocation
Business
See where your liabilities are distributed and stay on top of your
financial obligations.
Monthly Budget
Business
Provides a high-level view of finances on a monthly basis.
Net Worth Change
Business
The Net Worth Change displays how the value of your Net Worth has
altered in both dollars and as a percentage for a specific period.
Net Worth
Performance
Business
Get the big picture of your overall financial health. Track your assets
and liabilities at a glance.
Portfolio Change
Investing
The portfolio change displays how the value of an investment portfolio

has changed in both dollars and as a percentage for a specific period.
Rewards Program
Rewards
Track all the miles, points, or other rewards obtained from linked
credit cards or reward programs.
Save for a Goal
Planning
Set up goals, manage monthly goal contributions, and track goals.
Compare Spending
Business
View your spending grouped by category and compare your spending

with that of users in your location.
Tax Documents
Taxes
View your year-end tax forms (1099-B, 1099-DIV, 1099-INT, 1099-R)

from your linked financial institutions
Tax Estimator
Taxes
Quickly determine your tax refund or how much you will owe with
H&R Block calculation tools.
Tax Office Locator
Taxes
Need face-to-face tax help? Find an H&R Block office near you.
Track Spending
Business
See where your money is going. Review your expenses by category

and discover the amount you have spent over time.
Transactions
Business
See all transactions, focus on a single account, or search for a

specific transaction. Add tags to sort everything yourway, and edit
descriptions for easier review.
12-4
Updating

Name
Trends
Category
Business
Description
Review historical account balances over a specified period of time.
12.8 Updating
Once the FinApp is published in the Yodlee FinApp Center, consumers can review
release notes about the update and will have an option to accept it. If they accept it, the
revised FinApp will be placed in their FinApps tray. If they choose not to update the
FinApp, the latest downloaded version of the FinApp will be retained.
If the updated FinApp cost more than the original and a consumer wants the new version,
they will not have to pay an up-charge to receive the full functionality.
12.9 Versioning
Customers always receive the newest FinApp releases. Any FinApp bugs will be resolved
as part of the release process. Bugs will persist until the customer upgrades versions.
12.10 Customer Support

Yodlee offers standard customer support for FinApps authored or published by Yodlee.
Customer support for 3rd party FinApps is the responsibility of the individual developer
whose name and contact information will appear in the About Developer tab in the Yodlee
FinApp Center.
12.11 Consumer Use of the FinApp Center

A consumer is considered to be anyone who has an account in Yodlee MoneyCenter or a
Yodlee customers application. The consumer flow can be configured by the customer
according to the CBDK (cobrand deployment kit).
12.11.1 Accessing the FinApp Center

A consumer can access the Yodlee FinApp Center after logging into the Yodlee
MoneyCenter account. From the top navigation bar, the consumer selects the FinApp
Center tab.
Fig. 12-1: Accessing the Yodlee FinApp Center
12-5
Consumer Use of the FinApp Center
12.11.2 Browsing Available Yodlee FinApps by Category

A consumer can view available Yodlee FinApps by category or select All Categories to
view all Yodlee FinApps. For the specific category list, refer to Yodlee FinApps on
page 12-3. For each of the FinApps listed in this view, the consumer can see the FinApp
icon, the FinApp name, the category, and the cost, if any.
Fig. 12-2: A view of the Yodlee FinApp Center
12.11.3 Selecting a Yodlee FinApp to See a Detailed View

Once a consumer selects a Yodlee FinApp to view, detailed information about the FinApp
is displayed.
12-6
Fig. 12-3: A detailed view of a Yodlee FinApp
12.11.3.1 Viewing Yodlee FinApp Details

Consumers can click About to learn about the Yodlee FinApp. The data displayed
includes:
Author - the developers name
Current Version - the version available to the consumer
Last Updated - the date on which the FinApp was last updated
Upload On - the date on which the FinApp was uploaded to the FinApp Center
No. of Downloads - number of times the FinApp has been downloaded
Permissions Accessed - the consumer data being accessed
12.11.3.2 Viewing Information About a FinApp Developer

Consumers can click Developer to learn about the developer including contact
information to get support from the developer if issues arise with the FinApp.
12-7
Fig. 12-4: Information about a Yodlee FinApp developer
12.11.4 Selecting a Free Yodlee FinApp

Consumers can click Add to FinApps to add the Yodlee FinApp to their FinApps tray.
Fig. 12-5: Yodlee FinApp added successfully to tray

Consumers can go to the FinApps I Have page to see the list of FinApps that are active
for them. This page shows the version of the FinApp they have, the date it was added,
and the price. If the consumer paid for the FinApp it will show which payment account
was used for the purchase.
12-8
Fig. 12-6: Example of a consumers FinApps I Have page
12.11.5 Dragging and Dropping a FinApp

Consumers can see a list of available FinApps by clicking My FinApps appearing beneath
the main tabs. This opens the FinApps tray for the consumer to see the list of FinApps
available.
Fig. 12-7: My FinApps button

Consumers are presented with a banner across the top of the page where all downloaded
FinApps (free or purchased) are located. From here they can drag a FinApp and drop it in
any or all of the following pages: Dashboard, My Accounts, Budgets, Payment, Tax
Center, Manage, Support and Calendar.
Fig. 12-8: Yodlee FinApp tray
12-9
Fig. 12-9: EMI Calculator Yodlee FinApp dragged to the Expense Analysis Chart page
12.11.6 FinApp Download Count

The FinApp details page displays the total number of downloads of any FinApp since the
particular FinApp was published. The number of downloads is independent of any version
upgrades. For instance, if FinApp A published with version 1.0 has been downloaded 10
times by consumers and then 20 times with version 2.0, then number of downloads is
displayed as 30. The FinApp counter lets customers see which FinApps are most popular
with their consumers.
NOTE: Previously for any FinApp only, the number of downloads for the current version
was available in the FinApp details page.
12-10
Purchasing FinApps
If the customizable parameter is ON, the total number of FinApp downloads are displayed
in FinApp Center. If it is OFF, only the number of downloads for latest version only
displayed in the FinApp Center. Note that the customizable parameter is OFF by default.
The download count feature applies to free, paid, third-party as well as Yodlee published
FinApps. The total number of downloads for a FinApp are not affected by the temporary
removal or addition of any other FinApp. However, if a consumer returns any paid FinApp
within 24 hours of purchase, then the download count reduces accordingly to reflect the
change.
12.12 Purchasing FinApps

12.12.1 Buying a Yodlee FinApp
In the Yodlee FinApp Center, many FinApps are free but some will be sold for an amount
determined by the developer. To buy a Yodlee FinApp, consumers must use a verified
checking or savings account to be used as a funding source to complete the purchase.
A FinApp purchase is completed through one of the following authorization methods.
1. A customer (bank or other Yodlee customer) can pass payment account information
to Yodlee during single sign-on so that their consumers can make a purchase using a
bank account held by the customer.
2. A customer can allow Yodlee InstantAccountVerification to verify a consumers
payment account held either at the Yodlee customer or another financial institution.
Fig. 12-10: Buying a Yodlee FinApp

Once a consumer clicks Buy FinApp, the FinApp is placed in the consumer's FinApps
tray and it appears in the Payment History page of the FinApp Center.
12-11
Purchasing FinApps
12.12.2 Viewing a History of FinApp Payments

The Payment History tab displays a tabular record of purchased FinApps (does not
include free FinApps). The list can be sorted by date and filtered by All FinApps, All
Payment Accounts and Duration (1 Month, 3 Months, 6 Months and 12 Months).
Consumers can narrow the results returned by using the check boxes to search on status
(Paid, Scheduled, Returned or not applicable).
All FinApps appear as active links that take the consumer to the FinApp details page for
that FinApp. Also displayed for the consumer is the amount, purchase price, date of the
purchase, the payment account used to purchase the FinApp.
The payment account is displayed as either the full account name with nickname and
account number (masked) or just the nickname.
Clicking the Payment ID link takes the consumer to the Payment Details page.
Fig. 12-11: FinApp center Payment History Page showing all purchased FinApps
12.12.3 Returning a FinApp

With a paid Yodlee FinApp, consumers have 24 hours from the moment of download to
interact with the FinApp, place it on as many pages as desired, and fully explore the
FinApps functionality. If, within that 24-hour period they decide they no longer want the
FinApp, they can return it for a refund by clicking Return.
12-12
Purchasing FinApps
Fig. 12-12: Returning a purchased Yodlee FinApp

The consumer's payment account will not be debited and the FinApp will be removed
entirely from the consumers view of the application.
If, upon clicking Return anytime within the 24-hour return period, the consumer receives
a message appears describing the return policy.
Fig. 12-13: Message if the consumer clicks return within the 24-hour return period
If the 24-hour time window has been exceeded, the Return link disappears.
12.12.4 Payment Flow

Consumers follow the payment flow described below for purchasing Yodlee FinApps
through checking and savings accounts.
1. As a prerequisite for buying a FinApp in Yodlee FinApp Center, a consumer must
have a verified checking or savings account to use as a funding source.
If a consumer does not have a verified payment account added as part of single signon, they can add a checking or savings account in Yodlee MoneyCenter. Yodlee must
verify its existence before allowing the consumer to purchase a Yodlee FinApp.
2. Verified payment accounts will appear in the drop-down menu of verified payment
accounts in the Yodlee FinApp Center.
3. Consumers select the payment account they want to use to purchase the Yodlee
FinApp. When a payment account is checking or savings, Yodlee performs the
account verification process.
12-13
Purchasing FinApps
4. The Yodlee FinApp will be added to the consumer's dashboard with 24-hour return
privilege.
If the Yodlee FinApp is returned within 24-hours, then the payment will not be sent for
processing and consumer's account will not be debited. Also, the Yodlee FinApp will
be removed from the consumer's dashboard or wherever in the application it was
added.
5. If the consumer is satisfied with the Yodlee FinApp, then the payment will be sent for
processing by the Yodlee payment engine to debit funds from the consumers
payment account. Every night, credits will be consolidated to the Yodlee FinApp
Settlement Account. The Yodlee system will process all the transactions at a specified
time and send the response back if there is any debit failure. The Yodlee system will
process the returns received on the consumer's Yodlee FinApp payment and take the
necessary actions on the payment and the account. The credit will then be sent to the
developer and the customer from the Yodlee FinApp settlement account based on the
payment terms in place with the developer.
6. FinApp payments can be found in Yodlee Payment Operations Dashboard by
searching the payee name Yodlee FinApp.
7. All the checking account Yodlee FinApp payments will be displayed in the search
results with all the checking bank account information.
8. A consumer's statement will reflect the transaction description as Yodlee FinApp
payment.
9. Yodlee FinApp checking account payments are searchable in Yodlee CustomerCare.
In the Yodlee FinApp History page, all the Yodlee FinApps purchased by a
consumer will be shown.
The payment details will display the details of the checking account used to make
Yodlee FinApp purchases.
Accounts can be suspended or deleted from Yodlee CustomerCare.
12-14
Chapter 13: Yodlee Beta
Yodlee Beta is a precursor to an upcoming release. Consumers can discover the new
features by accessing the Beta link. They are allowed to vote on the beta experience and
include suggestions. Based on consumer feedback, new features may be rolled out in
Yodlee MoneyCenter.
The link can be turned on for a select group of consumers, if required. Consumers will
have the option of setting Yodlee Beta as their home page.
Chapter 13: Yodlee Beta
13-1
Chapter 14: Currency Conversion
14.1
Currency Conversion Rate

For calculating application totals in the consumers preferred currency, the currency
conversion rate will be applied as per the latest available rate. The currency rate will be
updated daily from the following sites:
BankofCanadaExchangeRates http://www.bankofcanada.ca/fmd/exchange.htm
XEExchangeRates http://www.xe.com/ict/
For example:
Table 14-1: Sample currency conversions
Amount
Source
Currency
Customer
Currency
Date
Exchange
Rate
Converted Value in
Customer
Currency
5000
INR
USD
3/9/2011
46.21
231050.00
60000
INR
USD
3/9/2011
46.21
2772600.00
50000
AUD
USD
3/9/2011
0.94
47000.00
20000
JPY
USD
3/9/2011
77.21
1544200.00
Chapter 14: Currency Conversion
14-1

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Yodlee PersonalFinanceTM

About This Document . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1-1

What This Document Discusses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Getting Started With Yodlee PersonalFinance . . . . . . . . . 3-1

3.4.3 To-Do List. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3-10

4.4.2 Reopen Feature. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Linking Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-1

5.5.4.2 How We Protect You . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

7.1.2.1 Transactions Tab. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7-5

Net Worth . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8-1

Net Worth Statement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8-1

8.6.4 Editing Holdings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Managing Accounts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9-1

Financial Calendar . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10-1

Yodlee FinApp Center . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-1

Yodlee Beta . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13-1

Currency Conversion . . . . . . . . . . . . . . . . . . . . . . . . . . . 14-1

Chapter 1: About This Document

What This Document Discusses

Who Should Read This Document

The sponsor is the person who controls the

Yes. The document includes information,

The product manager is the person in closest

Yes. Although this is not a technical

The technical lead is the person who will

Not really. It presents high-level information

Support people keep consumers happy and work

Yes. The support team at the financial

Other Documents of Interest

Yodlee PersonalFinance SDK Implementation Guide The Yodlee SDK

Chapter 1: About This Document

After Reading This Document

Yodlee TaxCenter Product Description Describes each of the major components

Yodlee and Accessibility Describes the conformance of Yodlee PersonalFinance to

Yodlee AccountVerification Product Description Describes the features and

Yodlee FastLink Product Description Describes the features and functionality of

After Reading This Document

Chapter 1: About This Document

Yodlee PersonalFinance Overview

Accounts Summary provides a summary of a consumers held and held-away

Transactions Consumers can see a list of transactions associated with their

Rewards Program Allows consumers to track rewards accounts and balances in a

2.2.3 Bill Reminders

Spend By Category Consumers can view their expenditures in a selected category

2.2.5 Financial Analysis

Expense Analysis The expense analysis report provides a graphical representation

Portfolio Manager The Portfolio Manager allows consumers to review their

2.2.6 Yodlee Alerts

2.2.7 Yodlee Financial Calendar

2.2.8 Yodlee FinApps

2.3.2 Screen Reader Compliance

2.3.3 Application Diagnostic Notifications

Fig. 2-1: Browser upgrade notification

Fig. 2-2: Enable JavaScript notification

Consumer Privacy and Protection Statements

Fig. 2-3: Enable cookies notification

Consumer Privacy and Protection Statements

2.4.1 Privacy and Security

2.4.2 How We Protect You

Chapter 3: Getting Started With Yodlee

Login and registration procedures

Getting started with Yodlee PersonalFinance