As far as I can see, few of these services are available outside of America. The only available service I know that downloads data from your online bank account

As far as I can see, few of these services are available outside of America. The only available service I know that downloads data from your online bank account is Yodlee (which Mint uses as a data provider). I haven't used Egg Money Manager, but I believe that has a windows only client that downloads your transactions on your own computer. Does anybody know what precisely is holding back these services from launching worldwide? I'd imagine they'd want to get a foothold in Europe as quickly as possible before somebody beats them to it. Is there a regulatory problem with providing this service?