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Show HN: A simple FOSS and self-hosted budgeting app

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Re: Show HN: A simple FOSS and self-hosted budgeting app

#4
The biggest hurdle for me with these tools is CSV import - banks are so crappy with them. If only we had a universal banking API system that all these tools could tap into. "Challenger" banks like Monzo and N26 and so on could unite behind a form of OAuth for banks that would kick ass.

Re: Show HN: A simple FOSS and self-hosted budgeting app

#5
post #4

The biggest hurdle for me with these tools is CSV import - banks are so crappy with them. If only we had a universal banking API system that all these tools could tap into. "Challenger" banks like Monzo and N26 and so on could unite behind a form of OAuth for banks that would kick ass.

I don't know about other areas, but in Europe there is such a standard (called FinTS) and there are libraries for every language. I actually once wrote a python tool that did something similar to this app.

Re: Show HN: A simple FOSS and self-hosted budgeting app

#6
post #4

The biggest hurdle for me with these tools is CSV import - banks are so crappy with them. If only we had a universal banking API system that all these tools could tap into. "Challenger" banks like Monzo and N26 and so on could unite behind a form of OAuth for banks that would kick ass.

And an open standard for digital receipts. If I could get a record of what I purchased at the store it would be amazing.

Re: Show HN: A simple FOSS and self-hosted budgeting app

#7
post #4

The biggest hurdle for me with these tools is CSV import - banks are so crappy with them. If only we had a universal banking API system that all these tools could tap into. "Challenger" banks like Monzo and N26 and so on could unite behind a form of OAuth for banks that would kick ass.

I'm guessing the reason these universal API's don't exist is because there would be no business model and hence no billion dollar companies. However, Europe's PSD2 regulation was essentially launched to establish these open API's for banking

Re: Show HN: A simple FOSS and self-hosted budgeting app

#8
I've been developing something very similar myself, with Rails also! I don't have any plans to open source it at the moment, but I might at some point.

Yours definitely looks far better than mine, UI-wise! As I'm only one person, and I don't have much time to dedicate to mine, I've just done some basic styling of tables, etc. so that it'll work on mobile with relative ease. However, it's something that I can progressively work on.

Re: Show HN: A simple FOSS and self-hosted budgeting app

#9
post #7
post #4

The biggest hurdle for me with these tools is CSV import - banks are so crappy with them. If only we had a universal banking API system that all these tools could tap into. "Challenger" banks like Monzo and N26 and so on could unite behind a form of OAuth for banks that would kick ass.

I'm guessing the reason these universal API's don't exist is because there would be no business model and hence no billion dollar companies. However, Europe's PSD2 regulation was essentially launched to establish these open API's for banking

I watched a bank CEO claim the security of their customer's data was the reason it was tightly controlled and API access was only available to their trusted partners for the purposes of running credit checks and other things that make the bank's own life easier. They also followed that up with a spiel about how open to competition they are.
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