Lazy people prefer having one bank for everything. Savings, mortgage, credit card, investments. The way you get all that business is by having better pricing an

Lazy people prefer having one bank for everything. Savings, mortgage, credit card, investments. The way you get all that business is by having better pricing and/or a more polished app than the competition. If people want envelope budgeting (and I don't claim to know whether that's the case) then you should probably implement it.