This looks great, really good UX&#x2F;UI from a first glance. My bank has a pretty modern banking app, so some of the features (like spending graphs) are familiar to me (though not as pretty as in Penny).<p>Two things that I dislike with my banking app:<p>- No real differentiation between fixed, monthly cost and variable expenses. It would be nice if the automatically separated monthly expenses and one-time expenses.<p>- Lots of &quot;-$100 Cash&quot; transactions whenever I use an ATM. This is my main concern actually. It&#x27;s really hard to have some sort of insight about my finances without seeing the biggest part of my non-expenditure spending: The stuff I pay for in cash. Especially since it distorts the monthly overviews: If I retrieve $500 from my bank account on July 31st, it&#x27;s not helpful to add that to my July spending, since 90% of that money will probably be spent in August. This is really a data-entry&#x2F;UX problem, no API will solve this. One thing that I would suggest: Make an extension that makes it really simple to &quot;scan&quot; receipts. Just one glance of the camera, some OCR and the data is in there. If it&#x27;s simple enough, it may become part of my &quot;muscle memory&quot; to scan receipts with the app whenever I buy something, so I get meaningful analysis results.<p>(By the way, if you want to build something like that, check out this API: <a href="https:&#x2F;&#x2F;scanbot.io&#x2F;de&#x2F;sdk.html" rel="nofollow">https:&#x2F;&#x2F;scanbot.io&#x2F;de&#x2F;sdk.html</a> - great product &amp; company, I&#x27;m not affiliated in any way)