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If banks had open API, here is what I will do:

- Create my own UI. Most bank UIs suck big time. Categorizing accounts, labeling them as we want etc. and yes, I don't want to do this through a third party like Mint. Also, when i see a transaction, I want better descriptions if possible. Don't show me "VISA charge" as a description, really ? I always wonder if merchants have better descrioptions and banks just make it more "cryptic" for security reasons ?

- Connect to accounting system directly. Ability to export data in csv,json etc format

- Being able to "send" money to someone easily. This exists already with banks but each one of them have clunky UIs if at all. I would build my own :)



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