Feature Comparison

Introduction The purpose of this artifact is to describe the differences in functionality between the Yodlee PersonalFinance 12x instance and the latest Yodlee PersonalFinance 3.0 instance deployed for ICICI Bank.

Module Feature My Money 12x My Money 3.0

Application Responsiveness & look and feel The application was non-responsive

The application is responsive. Application resizes automatically based on browser dimensions. The User Experience on the application has been significantly enhanced to make the application more intuitive and simple to use

Application Demo

The “View Demo” feature available on all pages displays information about My Money features

The “View Demo” feature has been removed and “Feature Tour” has been introduced on most widgets. This feature guides the user in using the widget

Screen shot showing “View Demo” feature on My Money 12x

Application Search bar on header

The search bar helps users search for transactions

The global Search bar has been removed. Instead user can search for transactions on the Transactions widget

Screen shot showing the Search bar on My Money 12x

Application Edit Application Preferences

The “Edit Application Preferences” feature lets users choose the default home page

The “Edit Application Preferences” feature has been removed

Screen shot showing the “Edit Application Preferences” page on My Money 12x

Application Transaction categories Only master level categories were available

High-level categories have been introduced across the application to simplify tracking of spending and transactions

Application Utilities No dedicated utilities feature

A new tab called “Utilities” has been introduced. The Utilities module consists of widgets such as ‘File Importer’ and ‘Tax Planner’

Screen shot showing the “Utilities” tab on My Money 3.0

Dashboard Widget User Experience

The Dashboard page can be personalized by dragging and dropping widgets of user’s choice on the dashboard page

The Dashboard page cannot the personalized. Widgets are common for all users. Widgets cannot be moved around (no drag and drop functionality) The “My Widgets” tray and “Widget Center” tab has been removed

Screen shot showing the “My Widgets” tray on My Money 12x

Help Help content

Help content was available on all pages. User could click on help icon on each widget or on the tab bar (global help) to view the help content

Help content has been removed. Instead of help, anew feature called “Feature Tour” has been introduced on most widgets. This feature guides the user in using the widget

Screen shot showing the “Help” widget on My Money 12x

Screen shot showing “Feature Tour” on My Money 3.0

Add an Account Look and feel

Old look and feel

The look and feel has improved. A “Tips” section has been introduced to help the user add accounts

Screen shot showing the new Add an Account wizard on My Money 3.0

Accounts Summary Embedded widgets

On click of each account on the “Accounts Summary” module, embedded widgets such as Details, Transactions etc. would be displayed

Embedded widgets have been removed. Clicking on an account on the “Accounts Summary” widget takes the user to the Transactions widget with the corresponding account’s transactions

Screen shot showing the embedded widgets on My Money 12x

Transactions Look and feel Old look and feel The look and feel has been improved. The user experience is more intuitive

Transactions Upload feature

Not available Users can upload attachments against individual transactions for reference

Screen shot showing the attachments feature on My Money 3.0

Spending Analysis Spending Analysis

Only spending break-up by category was shown

The “Spending Analysis” widget has been significantly enhanced. Spending trend for each month for the last six months is shown along with the average spending. On click of a particular month, the break-up of expenses by high-level categories are shown. High-level categories are newly introduced to make spend analysis simpler. On click of a high-level category, the detailed spending break-up is shown. User can switch to “Income Analysis” on the same widget

Screen shot showing the “Spending Analysis” widget on My Money 12x

Screen shot showing the spending trend on My Money 3.0

Investment Holdings Investments View

Old look and feel

The “Investments Holding” widget has an improved, more simplified user experience. A new summary table showing various balances has been introduced

Screen shot showing the “Investments Holding” widget on My Money 3.0

Net Worth Net Worth Old look and feel The “Net Worth” widget has an improved, more simplified user experience.

Budget Budget

Old look and feel

The “Budget” widget has an improved, more simplified user experience. A new “Income and Spending” summary table has been introduced which summarizes actual income and spending against target budget set by the user A new “Notifications” section has been added which notifies the user about actual spending approaching budget limit set by the user

Screen shot showing the “Busget” widget on My Money 3.0

Bills Manage Bills The “Bill Reminder” widget shows upcoming and past-due bills

The “Bill Reminder” widget is no longer available. Instead, bills are shown on “Accounts Summary” widget

Rewards Manage Reward Points

The “Rewards” widget reward points accrued

The “Rewards” widget is no longer available. Instead, rewards are shown on “Accounts Summary” widget

Screen shot showing the Rewards widget on My Money 12x

Screen shot showing a rewards account on My Money 3.0