Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms. An exemplary apparatus may be configured to provide a financial management application, whereby the financial management application interfaces with an online banking platform to access a customer's financial information for use in streamlining the customer's finances and money management strategies; determine at least one goal associated with the customer; track progression towards the at least one goal; provide at least one incentive to the customer based on achievement of the at least one goal.