I use GNUCash, and despite it's substantial shortcomings, the regular flow of competition never quite hits the mark. Here's a small sample of what features I'm looking for:

1. Transaction import. OFX at a minimum, but preferably an online pull that can be automated. Many banks do support online pulls -- for example GNUcash calls out to aqbanking, with an incredibly obtuse UI, and is an area for improvement.

2. multiple accounts and currencies. I need to be able to track investments and assets. That means multiple accounts, denominated in different and possibly custom units. GNUCash allows multiple accounts and multiple currencies, but you cannot put different currencies in your own account. The work around is subaccounts per stock ticker etc., but it seems like improvements could be made here.

3. Synchronization. In my view, 'offline' is synonymous with 'disposable.' I have many years of history, and it would be unfortunate to lose it in a drive failure. I have this backed by a personal SQL server, but many people use dropbox style sync. Multiuser would be an area of improvement here.

The one thing I'm not looking for is budgeting. A ledger is basically a budget with dates per item, so why not just go directly to the ledger form? Salary, mortgage payments, rent, insurance, and streaming subscriptions are all predictable expenses, just slap em into the ledger ahead of time. Even the variable stuff like dining is a bit more predictable with a credit card.

The above should not be a knock to the many other systems, so please don't bother to try selling me on ledger-cli =)