Fino is a bidirectional web platform that aggregates personal financial data from banks, credit cards, insurance companies, and legal institutions into the personal financial cloud. On one side, Fino is a B2C product that offers a one-stop solution for monitoring, analysis, management, and control across all financial fields through a modern, easy-to-use web and mobile interface. On the other side, Fino is a B2B product that provides a marketplace for financial services and products, such as lending, insurance, and credit. These services are provided based on the risk and demand that Fino gathers through its automated analysis of personal financial profiles.