The research is carried out to identify how socio-demographic factors are related to the assessment of personal finance management applications. The authors collected observations via an online survey in Vietnam. The architecture of the article included: the transparency, intuitiveness, functionality, and faults of the application, whether it the meets financial needs of customers, the level of satisfaction with the application as well as the introduction to other people, the benefits and also disadvantages of the application, and the use of personal financial management application during the Covid-19 period. The study demonstrated that users would use banking applications rather than financial managers offered by non-banking organizations. The findings indicate that the applications are diaphanous, well-organized, and intuitive and the examined people are pleased with using them. The coronavirus pandemic has opened room for finding challenges in remote financial services, such as the potential risk of information security, the complexity of installing and using the applications, and so on.