[TeMPOraL]

I don't think the new breed of fintech startups is going to help here much. The reason you can't see what's going on with your money on your own terms is because banks want you to use their software in order to upsell you financial products. The articles point out that the new fintech companies are also interested in exploiting the stickiness and eyball-attracting aspects of banking, if not for direct upselling then for something else.