It’s possible this has been tried. I have a vague memory of it and I did some digging but nothing came up… What if a bank were nothing but an app store. You could plug in all sorts of services, analytics, etc. So instead of having Acorns, Qapital, Trim, Mint, Stash, blah, blah, blah, you have one account, one bank, and the rest is basically software.