Spar Key vs GEMMA Budget Planner

Sparkasse Bank Malta plc has released an Authentication Application that has removed the need for a physical token to be used when accessing and transacting on your account(s) using the Bank’s Online Banking System. Spar Key enables a more secure and efficient environment for Sparkasse Bank Malta plc’s clients throughout the following processes: • Logging-in into the Bank’s Online Banking System; • Authorising the release of Payment Instructions; and • Authorising the release of Securities related orders. Spar Key has been developed in compliance with the requirements on Strong Customer Authentication stemming from ‘the EU’s Payment Services Directive II (PSD II)’.

The Budget Planner App is a financial capability education tool that allows users to list their expenses against their income to achieve financial goals. Transactions can be sorted on a daily, monthly or weekly basis, and intuitive visualisations help show whether one's spending life-style is sustainable or not. All transactions can be listed under different categories, and users are given the option to add their own categories. L-App Budget Planner hija għodda edukattiva dwar il-kapaċità finanzjarja li tippermetti lill-utenti jelenkaw l-ispejjeż tagħhom kontra d-dħul tagħhom biex jilħqu l-għanijiet finanzjarji. It-tranżazzjonijiet jistgħu jiġu magħżula fuq bażi ta’ kuljum, ta’ kull xahar jew ta’ kull ġimgħa, u viżwalizzazzjonijiet intuwittivi jgħinu biex juru jekk l-istil tal-ħajja tal-infiq hux sostenibbli jew le. It-tranżazzjonijiet kollha jistgħu jiġu elenkati taħt kategoriji differenti, u l-utenti jingħataw l-għażla li jżidu l-kategoriji tagħhom stess.