The disclosure extends to computer-implemented personal financial management tools, methods and systems for providing financial transaction data to users and attracting origination customers to a financial institution within a financial business computing environment. The disclosure also extends to a flexible Open Origination that allows any type of mobile, internet, online, personal financial management software, finance tool, or other useful function, device or software, that a bank or financial institution provides to account holders, and offers that same functionality to all users, regardless of their account status. Non-account holders can download and utilize the Banking Software in question in order to enjoy its features, and to become familiar with the experience of doing business with the bank or financial institution that provides the software. This method, system and software allows any user, regardless of where his/her accounts are located, to use the financial software and benefit from its functionality.