I think this is a good time to compete in the finance market but don't forget your competing with a fairly entrenched opponent in Mint. I would try to focus on

I think this is a good time to compete in the finance market but don't forget your competing with a fairly entrenched opponent in Mint. I would try to focus on working in agreements/your own mobile app. Maybe take a look at Back to Black or Saver on iPhone to sync with entries from mobile phones. If you have auto import from banks then you will need major differentiators from Mint which could be as simple as being able to easily search/manipulate transactions in a clean interface. Without auto import from banks, you need a way to make entry effortless. I think the idea of entering transactions into a non-mobile facing app will fade. If people want to keep track of transactions manually themselves, they will enter them in a mobile app and then analyze them on their computers.