Quick overview:
(Photo: RioPatuca - Fotolia)
"Time is money" - more and more Germans are internalizing this adage and conducting their banking transactions quickly and conveniently via their home PC, regardless of customer-unfriendly opening hours, overcrowded parking spaces and bad weather. But many users have a bad feeling about this. Cyber crooks, phishing e-mails, online accounts that have been emptied - such buzzwords are often at the back of people's minds. Financial programs are supposed to make Internet banking particularly secure and convenient.
Why a financial program?
At first glance, the simpler financial programs for private users cannot do much more than the websites of most banks. Account balances can be called up, transfers executed and standing orders set up. They are particularly useful if the user has several accounts with different banks. This is because the software gives you an overview of all accounts and the complete financial situation. For example, you can search for transfers in all accounts with just one query.
For business users, on the other hand, there are powerful analysis tools that control a company's entire accounting and financial accounting. Accounting software such as Fibunet fulfills the requirements and also the auditing obligations of the accounting system.
Many programs prepare their data graphically and thus show the financial situation particularly clearly. And if the account balance falls below a certain value, the programs automatically sound the alarm. This allows you to react more quickly to any financial bottlenecks.
More secure than online banking?
Not necessarily. If a Trojan horse has settled on the PC, it can also intercept transaction numbers if financial software is used. Security therefore depends primarily on the Security of the online banking process from. The Flicker TAN procedure and reader, for example, are considered particularly secure.
Some programs, such as StarMoney, also offer special security functions. According to the manufacturer, the program can therefore be used even if the computer is full of viruses and Trojans. This has been shown by independent tests carried out by TÜV Saarland and other test centers. Another security aspect: anyone using financial programs no longer runs the risk of ending up on fake bank websites.
Recommendations
For business users, especially in medium-sized companies, the above-mentioned financial accounting software FibuNet is recommended - it can be used to automate and optimize all accounting processes. It is the winner of the Trovarit Satisfaction Study 2012.
WISO Mein Geld" from Buhl and "Starmoney" are suitable for private users. They regularly come out on top in tests by specialist magazines. Both products are excellently equipped, work with almost all banks and offer many analysis functions. While "WISO Mein Geld" scores particularly well in terms of ease of use, "Starmoney" is considered number one in terms of security.
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