Incumbent banks have been incredibly bad at creating modern digital user experiences. To analyse my spending, I have to login to my online bank with a fob and v

Incumbent banks have been incredibly bad at creating modern digital user experiences. To analyse my spending, I have to login to my online bank with a fob and various passwords, download statements in .csv format (month by month, no batch download) and plot them in excel. It's not great. That is certainly true, but it's not as if the shiny new fintech startups are necessarily any better. You'd think it would be business finance 101 to be able to reconcile money that a payment service collects from your customers and then deposits in your bank account with the money you expected them to be collecting, but unless there's been yet another API change lately, none of the services we use support a simple, reliable way to do this.