> even big-budget banking apps that are painful to use What do you mean by a "big-budget banking app"? Do you mean the website/online banking or mobile app th

> even big-budget banking apps that are painful to use What do you mean by a "big-budget banking app"? Do you mean the website/online banking or mobile app that the bank provides to consumers for free? For those, the purpose of the software is: * Advertise the bank's latest credit card / mortgage products. * Keep all your data in their app, so you're locked in and can't get to your information without seeing the ads first. * Make it hard to do export data, switch banks, etc. Being a convenient way to manage finances is not a goal of the software, because that doesn't generate revenue.