Cash Flow
See income and expenses together with settlements, collections and upcoming financial movements rather than as isolated lists.
BANGAM Features
Bring the scattered parts of financial life into one system.
From everyday money tracking and bank-statement review to shared expenses, membership fees and lesson schedules, core financial flows work together.
One product · shared financial truth
Core BANGAM capabilities
Loans and Credit Cards
Track balances, instalments, statements, partial payments and payment history without losing financial truth.
Deposits, Overdrafts and Cheques
Manage term deposits, overdraft accounts and cheque lifecycles inside one financial view.
Bank Statement OCR
Process supported statements, review extracted fields and create financial records only after user confirmation.
Finance AI
Get explanations and insights from a minimised financial context; AI cannot directly write authoritative financial records.
Social Finance
Manage friend debts, group expenses, partial settlements and payment claims with cross-account integrity.
Memberships and Lessons
Track members, fees, schedules, attendance and reminders for trainers, teachers and membership-based services.
Financial Tools
Use loan, deposit, cheque-discount, FX and overdraft calculators, with shareable PDF output where supported.
Private finance areaPrivate financial screens are not exposed to search engines.
User reviewOCR output can be reviewed before it becomes a financial record.
Financial integritySettlements, reversals and history are preserved through canonical flows.