Veebirakendused sissetulekute ja väljaminekute jälgimiseks

Abstract

Käesoleva magistritöö esimeses osas hinnati nelja Eesti turule suunatud veebirakendust isiklike sissetulekute ja väljaminekute jälgimiseks. Rakenduste juures hinnati registreerimist ja sisselogimist, kulu- ja tulukirjete käsitsi lisamist, pangaväljavõtete importimise tuge, andmete visuaalset esitust ja kasutusmugavust. Rakenduste omavahelise võrdluses kujunes välja järgmine paremusjärjestus: SEB Rahapäevik, Swedbank Rahaplaneerija, Perekonna Eelarve ja Rahakool.

Pankade poolt pakutud rakenduste tugevateks külgedeks on turvalisus, automaatne tehingute lisamine ja kategoriseerimine ning tehingute visuaalne esitamine. Puudusteks on piirang, mis lubab kasutajaks registreerida ainult selle panga klientidel, ja teiste pangaväljavõtete importimise mitte võimaldamine.

Sõltumatute rakenduste tugevateks külgedeks on piirangute puudumine kasutajaks registreerimisel ja erinevate pangaväljavõtete importimise tugi. Puudused on turvalisuse, tehingute lisamise ja kategoriseerimise, pangaväljavõtete importimise töökindluse ja rakenduse kasutusmugavuse osas.

Töö teises osas otsiti uusi lahendusi olemasolevate rakenduste puuduste kõrvaldamiseks. Valminud prototüüprakendus asub aadressil https://cs.ut.ee/kte/ ja selle lähtekood on töö lisas.

Käesoleva töö edasiarendusena võib prototüüprakenduses pakutuid lahendusi kasutada uue sissetulekuid ja väljaminekuid jälgiva rakenduse loomiseks või olemasolevate rakenduste parendamiseks.

There is an increasing trend among Estonians to monitor their income and expenses. There are four main web applications for the Estonian market that help in doing that. These web applications can be classified into two groups: applications that are provided by banks, and independent applications.

The Estonian web applications for monitoring income and expenses have not been previously studied. By examining the web applications, the author of the current thesis found several shortcomings in these applications. Based on these shortcomings, the objective of the thesis was to propose solutions for these weaknesses by creating a prototype application for monitoring income and expenses.

The web applications provided by the banks proved to be good at security, adding and categorizing the transactions, and visual representation of the transactions. The main disadvantages of the applications provided by the banks are the restriction that allows only the clients of the bank to use it, and the lack of the possibility to import the bank statements from other banks.

Independent web applications can be used by everybody and they provide the option to import different bank statements. The main disadvantages of independent web applications are related to the security, the adding and categorization of transactions, reliability of importing the bank statements, and the ease of use of the applications.

In the second part of the thesis, the solutions for the problem areas were provided by creating a prototype web application for monitoring income and expenses. The source code of the prototype web application is provided in the appendix of the current thesis. The application is available at https://cs.ut.ee/kte/.

As an extension of the thesis, the solutions provided in the web application prototype can be used for creating a new web application for monitoring income and expenses, or for improving the existing web applications.