Looking for ideas to appeal to the Quicken segment? Personal Mvelopes, an online personal financial management system from In2m Corporation, stitches together account aggregation and bill payment into a $9.95 per month offering.

Analysis
The company has recently attracted some good PR (Kiplinger's, Boston Globe, BankRate.com) that may translate into some accounts. But unless In2m partners with stronger financial brands, the finance site will struggle to attract paying customers.

Consumers are wary, make that VERY WARY, of online financial services offerings, especially from unknown entities. But if a bank were to license the system and operate it under its own name, it might become moderately successful. (We say moderately, because budgeting is not a mainstream activity, and many of the budget-minded are already locked in to using Quicken or Money.)

If nothing else, the system demonstrates good customer advocacy. The bank could bundle additional services, such as long-term transaction archives, to help justify the $10 per month. Also, bundled revolving credit could boost the business case substantially.

If you'd like to learn more about the how personal finance is penetrating online banking, check out Personal Finance Features for Online Banking: Why “My Spending Report” trumps free bill pay on the subject from our sister publication, the Online Banking Report.