There is so much innovation that can and needs to be done in the online banking space, Mint hasn't innovated in years, so I decided to.<p>Some of my experiments...<p>http://budgetable.com
> <i>Aggregates all your accounts, balances, net worth charts, budgets... all that good stuff. It's fully functional personal finance software.</i><p>I'm a Mint user. Mint does all those things, no? I have all my accounts pulling in (credit, checking, savings, mortgages, car loans). I can see the balance on each. I can see all my transactions for each (both combined and filtered separately). I can manually enter transactions until they make it through the system (like entering a check so you don't forget that deduction if the person takes 3 weeks to cash it). I can build budgets. I have a grand total of my net worth (assets - debts). I get alerts when budgets are exceeded or finance fees were added. I'd say Mint has put together a nice set of features. So what else are you doing that Mint doesn't?<p>Edit: oh. I watched the video. So it sounds like the only thing it does that Mint doesn't do is go look for coupons/deals for the places it sees I've spent money. That has minimal value to me. Certainly not enough to make me switch from Mint. It might appeal to others not already using (or not heavily using) Mint.
I decided not to sign up for an invite but you almost had me. About 10 years ago or so a friend of mine and I were talking about creating something that analyzed what things you bought and then told you about where you can get it cheaper. At that time it really would't have been possible.<p>It's true I have seen deal alert sites but I thought you had the whole package here. I know you can't really find out what I bought at my supermarket by just looking at the credit card bill, but it'd be super neat if your site didn't tell me about the deals at supermarket A (I get that spam already) but instead find out that I buy skim milk, and let me know that supermarket B right down the road actually has it on sale this week so I should get it there instead. I want to keep buying the things I'm buying but be able to do so cheaper. Just like a gas app that finds the cheapest station, I want to know where the cheapest version of everything is that I buy regularly w/o having to look through ads or search myself or even tell a system what I buy. Build that and you got me. :)
I guess I'll be the first person to say that it looks really good. I can see how some folks might feel misled by the tag line, but even that's sort of a stretch (to me).<p>The landing page looks great. I did get the video bug, but that's small. Have you really done all this yourself? Looks like a TON of code.<p>I've also noticed Mint as being stagnant, specifically since Wesabe closed down and they were acquired, and have been hoping to see some sort of progress there. It isn't that it doesn't fully meet my needs, cause it does, but there are a TON of nice to haves that I want to see to make budgeting a lot easier that I have less and less hope of seeing with every day that passes without an update.<p>Can I ask what's on the roadmap?
From your privacy policy:<p>We use this information [personal information] to:<p>- Assess the needs of your business to determine suitable products<p>- Send you marketing communications<p>- Administer contests and sweepstakes you entered, and notify you if you won<p>- Conduct research and analysis<p>You are planning to do an awful lot of stuff with my personal financial data. One of the nice things about Mint is their transparency as well as the control they give users over their own data.
I think you would convert a lot more if you used <a href="https://budgetable.com" rel="nofollow">https://budgetable.com</a>. Im not giving someone my account information unless it is encrypted. As a potential customer, lack of that makes me wonder how secure the backend is. Otherwise, looking forward to what you come up with
Maybe I'm a minority, but I'm of the opinion that an app which touches my bank account:<p>1) Should put <i>every</i> page under SSL<p>2) Shouldn't use the word "beta"