Technology companies that interface with banks and credit companies are becoming more common as banking itself is more and more driven by technology.<p>My question is, relatively speaking, how complex are the systems developed by Simple (in particular), Square, Mint, Paypal etc in relation to interfacing with banks/bank accounts?<p>They're mostly proprietary I'm guessing, suggesting there's significant IP and talent involved. Paypal in particular would probably be a leader here, aside from credit card companies themselves.<p>The reason I ask; right now I'm looking to open a business bank account in the UK and the UI's look pretty uninspiring. Given that I'm likely to do a lot of banking online, an independent service that could provide a better UI and importantly, could advise or save me money, would be something I'd consider paying for.