For now it's manual input. A lot of folks balk at this, but I find I do better when I'm forced to thoughtfully engage with my budget.
For example, my wife and I are primarily concerned about improving our grocery spending. This means that we only have to input spending 2 or 3 times each week. It's really not a burden, and really helps keep our use of the app simple. All of the other spending that goes through our checking account isn't mixed together. It allows us to be very focused.
I sometimes think of it in the same vein as workout/fitness apps. Manually recording some aspects of your activity shouldn't kill the deal. And in our case, we encourage you to do self-evaluation... and that wouldn't come through a feed from your bank anyhow.
My wife was using zaim.net (it's in Japanese, but similar principle), and I asked her if it doesn't bother her to enter everything manually. She said it's not a bother, and indeed a part of the enjoyment of tracking her spending.
For me it seems like a real hassle, but for some it's part of what makes it work for them.
Keep it simple! It might not fit everybody, but I think it could work great for enough people. Good luck launching this.
For example, my wife and I are primarily concerned about improving our grocery spending. This means that we only have to input spending 2 or 3 times each week. It's really not a burden, and really helps keep our use of the app simple. All of the other spending that goes through our checking account isn't mixed together. It allows us to be very focused.
I sometimes think of it in the same vein as workout/fitness apps. Manually recording some aspects of your activity shouldn't kill the deal. And in our case, we encourage you to do self-evaluation... and that wouldn't come through a feed from your bank anyhow.