> Frankly, sorting my past transactions just isn't a problem I desperately need to have solved.

That's also not a problem you need to be a bank to solve. Mint and others are already doing a lot of innovation by pulling existing transaction data and offering powerful tools/visualizations for it.

Banks are never the best place to get powerful analytics, because they are limited to the accounts you have with that bank. No one wants to be limited to one financial institution, or have to change accounting systems just because you switched banks.