Yes, security/privacy. Banks are heavily regulated, and "I can't avoid them to store my data" anyway. (I do mostly use cash, much to the irritation of shops these days.) I have multiple accounts, which I manage offline without giving any third-party service access to them. The transaction data for my bank accounts is not very interesting thanks to me doing most things in cash. I don't need banks (or credit card companies), tax authorities or tax advisors to know how I spend my money, where I eat, what kind of services I enjoy.

I would however have an interest in some of what these fancy new "let us have access to your account" companies are offering. If it was simply software to use 'offline'.

Gotcha. IMHO, cash provides a number of functions where f(x) = security, privacy, or physical partitioning. And those are valuable!

For functions where f(x) is something one would want to program or automate in the digital realm of money, that's where we hope to add value to the experience of managing your finances.