I disagree. Without adequate coverage of financial institutions, a nice frontend is useless. Users don't want to use a pfm that they can't add all their account

I disagree. Without adequate coverage of financial institutions, a nice frontend is useless. Users don't want to use a pfm that they can't add all their accounts to. I'd argue the backend (Yodlee) was very instrumental in making Mint easier to use and thus more popular. Competitor sites did not have as much coverage.