doxo

• Financial Tools
• Great Security
• Mobile App
• doxoPLUS

Financial Tools

Each personal finance management software finds their own unique niche that appeals to a varying consumer-base. doxo is no different. They have found a new way to provide a different kind of financial service to better serve those looking to get their finances in order or maintain progress. In an attempt to help consumers, doxo has created a program that allows users to pay thousands of billers with just one login without worrying about security issues. Nearly 100,000 companies have been added to the doxo platform base, maximizing compatibility for all of their users. The doxo process is relatively simple and straight-forward. In order to maximize the usage of the doxo platform, users will need to follow these steps in order to get started:

1. Schedule payments, monitor status, and track bill payment history.
2. Add all applicable bills and accounts to organize payments.

doxo offers a variety of features to make finance management easier. doxo can provide free bill pay reminders, schedule monthly and one-time payments, and accept more payment methods than some other billers, including Apple Pay.

Great Security

Security is an issue for many when using a personal finance management system. Since these platforms require a level of transparency from the user, sharing personal and financial data can cause concern for those worried about identity theft. Bank-grade security keeps all doxo information safe while their automatic status monitoring keeps it simple. Those concerned with security issues can take solace in the fact that doxo is equipped with the following:

• Data is encrypted and protected by bank-grade security practices and technologies (doxo systems use RSA 2048 encryption with an AES-256 symmetric key).
• Payments are monitored at every step along the way and if there is ever an issue, users will immediately be notified.
• A complete history of every payment is tracked in detail in the user's account.
• Biometric authentication prevents other individuals from accessing your information.

Mobile App

While users can log in through compatible desktop computers, doxo also has a mobile app available for download on both Apple and Android devices. Users will still be able to organize accounts, manage all account information, and track payments from anywhere. Users can also search the doxo directory from any mobile browser to make a payment through their mobile-optimized platform.

doxoPLUS

doxoPLUS is a monthly subscription that allows doxo members to pay any bill, from any device, for just $4.99 per month (plus tax where applicable). With doxoPLUS members receive private pay™ account protection, overdraft protection, and no fees on bank payments. Additionally, members can cancel at any time as doxoPLUS does not require users to sign up for a long-term commitment. 

• Current Status Not Provided

Current Status Not Provided

Since doxo is focused primarily on providing a service that manages payments and outgoing finances, the status of current funds and finances are left untouched by their platform. That means that users looking for a budgeting or investment tool may be disappointed since doxo does not provide these types of resources or services to their customers. These missing features, which are typically found in personal finance management platforms include:

• Budgeting tracker: there is no feature that allows users to track how much is being spent and then seeing a remaining balance
• Goal setting tool: unless a user's goal is to set up payments and not worry about them anymore, users will not be able to enjoy this service
• Investment services: users will also not be able to see their money grow as doxo does not track current investments or opportunities

doxo is available free of charge, but certain personal information must be divulged to the service. As part of this agreement, some information is then used for advertising purposes. That being said, that is a relatively small trade-off for a free service.