From a personal banking standpoint, I think it'd be nice to have a sort of overlay on my account that helps me budget by breaking my balance up into buckets, ca

From a personal banking standpoint, I think it'd be nice to have a sort of overlay on my account that helps me budget by breaking my balance up into buckets, categorizing my withdrawals, and straightlining my income. I imagine that with sophisticated service discovery (e.g. common loan options), an interface like that could recommend additional services that would help me that I might not know about otherwise.