I want to set up rules like "take 19 percent of every incoming transaction and save it to virtual account 'taxes'. Use this, account to pay invoices by $financialAgency"
Banking hasn't produced any innovation since online banking, it seems
Money is currently stored with a third party that do have a license, so there are some guarantees that money wont be lost.
A bank account wherein I can ring-fence amounts and set a preferential order in which these ringed resources are drained. All with alerts on top. "Warning: you're spending more than recommended on fancy breakfast items, jeopardising your ability to pay your AWS monthly bill (which by the way has increased over the past 3 months)".
Google Wallet recently added integration to bank accounts though so at least there are some progress in that aspect.