App Aims : Making Personal Financial Stability a Reality
Triple Bottom Line’s Financial Apps is a simple, user-friendly app that takes card payments, sends virtual receipts, helps protect against fraud and best of all, it’s free. Triple Bottom Line’s Financial Apps quickly helps you set up an account, sends you a free small card reader that plugs into the mobile device for effortless photo and signature verification. Credit and cash transactions can instantly be processed and followed online by e-mail receipts or through your mobile device.
There are no monthly or start-up fees. However, there is a 2.75 percent and 15 cent use fee for each purchase. Depending on credit history there will be a maximum charge limit. There are no required contracts, monthly minimum purchases and the app even has a “tip jar.”
The account information is a fantastic way to track sales and purchases electronically. The GPS tracking and the photo uploading ability enable you to monitor and sell items by photos and location. Triple Bottom Line’s Financial Apps makes card payments easily accessible and transparent for both parties. Repeat customers are also recognized and the option for rewards programs is being developed.
When setting up an account to begin using the app, Triple Bottom Line’s Financial Apps requires a social security number, birthday and bank account information for credit checks and deposits. Sensitive data is encrypted and stored when transmitted and Triple Bottom Line’s Financial Apps’s network and website are certified by Verisign. None of the card data, including card numbers, magnetic strip data or security codes are stored on the mobile devices. Triple Bottom Line’s Financial Apps works with credit, debit, pre-paid or gift cards from MasterCard, Visa, Discover and American Express. But transactions can take 1-2 business days to clear and be deposited in your account. We’ve found this to be the general standard wait time for funds to clear and settle.
There is no option for deleting or voiding transactions in Triple Bottom Line’s Financial Apps, although the website says a process is being developed. But there is an option for charge backs to credit the bank account. Also, there is no standard wait time for a card reader to be shipped, so be sure to request yours at least a month in advance of your need.
7 Reasons Why Banking And Financial Industries Need More Mobile And Tablet Applications
Banking, like other industries, aims to increase quality of service and to spread business. Nowadays “mobile device” and “convenience” become synonyms. That’s why, mobile applications are very important for highly productive banking and financial industries. 7 reasons to create mobile applications for these areas will be discussed below.
The Best Financial iPhone Apps
|A long-time leader in personal finance management, Mint.com provides efficient and user-friendly budgeting tools. This mobile version, which securely connects to your bank accounts to track and categorize expenditures, optimizes the budgeting program. The mobile software allows you to manually enter pending and cash transactions on-the-go, meaning that your accounts are always up-to-date. Mint’s app will let you quickly check how much you have remaining in, say, your food budget, so you can smartly decide to grab a can of beans or splurge on a nice cut of meat while standing in the grocery-store aisle.|
|While automatically updating apps are nice, manually entering your purchases can make you feel more accountable for what you spend. Balance is a basic app to help you manage the balances on all of your accounts. Whenever you make a purchase, pay a bill, or deposit a check, you simply enter the transaction into the app. It then recalculates your new balances. The app also supports recurring transactions—like that monthly gym membership—and enters them automatically. Just the exercise of writing down all of your purchases might make you spend less. With this app, you’ll really learn how quickly those three-dollar lattes add up. Plus, you’ll avoid overdraft fees by always knowing how much is in your accounts|
|With this handy app, you’ll never pay a bill late again. BillTracker tracks due dates, amounts owed, and confirmation numbers for payments. You can set up reminders so that your phone will alert you when a payment is due soon or overdue. It also lets you set up recurring bills and view bill history to confirm when you sent a payment. Use the app for all of your payments, from water and electric fees to cell phone bills and insurance expenses. The company also makes a free, lite version, but it does not handle recurring bills. $1.99 from iTunes.|
|If you’re struggling to pay credit card debt and student loans, Debt Minder will help put you on the debt-free track. The app tracks debts for big purchases—like cars, houses, credit cards, and student loans—and monitors how you pay them off. It even creates personalized plans, including highest interest and smallest balance, to help you pay off debts when and how you want. With color-coded graphics and charts, the app lets you visualize where your money is going and how you are handling your overall debts. $0.99 from iTunes.|
|Your credit score can make the difference in many of life’s biggest moments, from buying a house to getting a new job. This app tracks your score in real-time so that you can be in charge of your financial future. To use the app, you must be a member of freecreditscore.com—which costs $14.95/month—but the immediate updates and alerts provided by the app may pay for themselves in terms of your peace of mind. The app provides detailed information about what’s hurting and helping your score. If you pay a credit card bill late, for instance, the app will track how your credit score responds. It also includes a Score Estimator to help to make smart financial choices. Free from iTunes.|
|iTunes contains a handful of mortgage calculators, but this one is the most popular because of its ease of use and simplicity. The app provides multiple mortgage options to figure out whether you can afford to buy your dream house. You can also use the app to configure monthly and yearly fees, including private mortgage insurance and home insurance. It will calculate property taxes using a variety of settings, including how frequently taxes are paid. Whether you’re in the market for a new house or just interested in learning whether you could afford that condo down the street, this is the app for you. Free from iTunes.|
|While compiling expense reports is typically an annoying and unorganized process, this versatile app makes it a breeze. Expensify syncs with your various credit cards and bank accounts to track business-related purchases. It also collects digital receipts from merchants and lets you send copies of paper receipts using your phone’s camera. Simplifying organization, the app sorts expenses by customized categories like meals, mileage, and company. When you’re ready to send in an expense report, Expensify will compile all necessary purchases and email a PDF to the appropriate contact. You can even be directly reimbursed to an online checking account. Free from iTunes.|
|If you own an automobile, car maintenance and gas expenses are probably taking their toll on your wallet. Download this app to save money and keep your car in tip-top shape. The app uses your phone’s GPS to chart car mileage and how much gas you’re using. It also tracks gas prices at different locations so that you can get the best local deals. In addition to recording gas usage and mileage, the tool has customizable service updates. Use it to get reminders about when to change your car’s oil and other maintenance needs. By keeping up with basic automobile upkeep, you’ll save money on larger expenses and your car will run for years to come. Free from iTunes.|
|If you want to learn more about the stock market without putting your finances at risk, look no further than iTrade. The app lets you manage a virtual stock portfolio, compete with information from other members, and research stocks with news and history graphs. Although just a game—at the end of the month, the app calculates top players—iTrade looks and feels like a real trading platform. It only operates during actual trading hours and even includes virtual broker fees. Practicing on the app will prepare you for the real stock market while eliminating risks—even the app is free. Free from iTunes.|
|If you already have investments in the stock market or are looking to join in, check out Real-Time Stocks. While there are many stock-tracking apps for the iPhone, Real-Time Stocks is probably the most basic and easiest to use. The app displays real-time quotes and charts for most U.S. stocks. It even lets you monitor multiple stocks at once. Using the app, you can create a watch list for stocks most important to you and track global indices. It also allows you to manually enter stocks in non-U.S. exchanges. Even if you don’t have a stock portfolio, the app is an excellent way to track the market and learn more about its ups and downs. Free from iTunes.|
- Triple Bottom Line Development Firm - [...] are numerous financial applications available for Android handset users in order to help them handle their finances. If you …