You could have made the same arguments about Mint and Intuit. If it's so easy, why haven't they done it already?
For Intuit, this is close to the textbook example of the innovators dilemma. Intuit cannot do this easily because it will cannibalize their existing business. How would they introduce it?
They can't just add the features to their existing product, because the market for this product is different (business owners, not accountants).
They can't sell it as a separate add on, because that makes InDinero seem really good value for money.
They can't sell it for the same price or less than InDinero because it will eat profits from their existing products.
For Intuit, this is close to the textbook example of the innovators dilemma. Intuit cannot do this easily because it will cannibalize their existing business. How would they introduce it?
They can't just add the features to their existing product, because the market for this product is different (business owners, not accountants).
They can't sell it as a separate add on, because that makes InDinero seem really good value for money.
They can't sell it for the same price or less than InDinero because it will eat profits from their existing products.