I thought about this a lot, and I have worked for and with a variety of consumer finance companies. I would say the number one reason most consumer finance sof

I thought about this a lot, and I have worked for and with a variety of consumer finance companies. I would say the number one reason most consumer finance software suck (especially mobile apps for budgeting or aggregation) is because they try to tackle social problems with technical solutions. My experience of developing, securing and working with these apps is that, for the most part, they quickly reach a cap on how effective they can be without becoming very opinionated. Most apps could use more opinionated money management features. Instead, you have a hundred apps in a very crowded space, all of which try to solve your inability to budget your money effectively with a polished UI and more information than you'll reasonably use.