> ## Documentation Index
> Fetch the complete documentation index at: https://docs.methodfi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Digital Engagement & PFM

> Build comprehensive personal financial management experiences with Method's liability data, credit insights, and payment infrastructure.

## What This Section Covers

Products and APIs that enable comprehensive personal financial management experiences — from discovering a user's complete debt picture to monitoring changes in real time, surfacing credit insights, and enabling bill pay directly from your app.

If you're building any product that helps consumers understand, manage, or pay down their financial obligations, this is where to start.

### Example Use Cases

* **Digital wallets** that display card balances, brand art, and recent transactions
* **Spend management apps** that categorize liability transactions and track spending patterns
* **Financial wellness platforms** that surface credit scores, debt-to-income insights, and payoff strategies
* **Neobanks** that embed bill pay and debt repayment into the core banking experience

## How Method Enables End-to-End PFM

Every PFM integration follows the same high-level journey: discover the user's liabilities, enrich them with real-time data, surface insights, and enable action.

| Stage        | What Happens                                                               | Method Products                                                                                                                           |
| ------------ | -------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------- |
| **Connect**  | Discover the user's complete liability picture via soft-pull credit report | [Entity](/guides/entities/overview), [Identity Verification](/guides/identity-verification/overview), [Connect](/guides/connect/overview) |
| **Data**     | Pull real-time balances, APRs, due dates, card art, and transactions       | [Updates](/guides/updates/overview), [Card Brand](/guides/additional-products/card-brand)                                                 |
| **Insights** | Surface credit scores, payment history, utilization, and attributes        | [Credit Scores](/guides/additional-products/credit-scores), [Attributes](/guides/additional-products/attributes)                          |
| **Pay**      | Initiate payments from your platform's funding account to users' creditors | [Payments](/guides/payments/overview)                                                                                                     |

## Get Started

<CardGroup cols={2}>
  <Card title="Getting Started" icon="rocket" href="/guides/use-cases/pfm/getting-started">
    The universal 3-step setup: create an entity, verify identity, and connect liabilities.
  </Card>

  <Card title="Onboarding & Discovery" icon="magnifying-glass" href="/guides/use-cases/pfm/onboarding-discovery">
    Identity verification, liability discovery, connect subscriptions, and vehicle enrichment.
  </Card>

  <Card title="Dashboard & Insights" icon="chart-mixed" href="/guides/use-cases/pfm/monitoring-insights">
    Real-time balances, credit scores, card brands, and entity-level attributes.
  </Card>

  <Card title="Transactions & Payments" icon="money-bill-transfer" href="/guides/use-cases/pfm/transactions-payments">
    Transaction streaming, spend management, bill pay, and debt repayment.
  </Card>
</CardGroup>