There is an access to data issue. This is a trust issue from the user side and a competition/regulation issue on the banking provider side.

Ideally the gap shouldn't exist because enough people are clamoring for these services, Asset Management the umbrella term is a high touch activity and the banks and managers make a killing by going after high net worth individuals.

A lot of startups especially after the chatbot and AI craze are working on this issue.

Let's say a startup comes up with a solution, would you trust them with access to your bank account?