Xero and Quickbooks just use basic regex to match transactions, which doesn't make much sense if the transaction category isn't static, eg Amazon. We also learn

Xero and Quickbooks just use basic regex to match transactions, which doesn't make much sense if the transaction category isn't static, eg Amazon. We also learn categories on an aggregate level, so if your bank statement's never seen a transaction from, say Tommy's Tacos, but someone else has, we'll be able to categorize it correctly immediately.