Through integrating money management tools as drivers of online banking, the bank has the opportunity to proactively offer financial facilities to customers and help them to manage their money. They can anticipate information based on the customer's actions. This is the typical upstream approach, where advice messages pop up on the user's screen before carrying out any financial action. This is just a drop in the ocean of the digital money management tool next generation. And this development may start the envisioning of mobile banking applications from the user's perspective rather than the bank's.