Banks are not providing solutions to aid their customer's Financial Health. This is where Fintechs are clearly driving the innovation and banks are losing the customer relationships. FH is more than a dashboard, it's guidance (navigation?) and requires more than just bank data.
Acting Comptroller Hsu offers a challenge for banks in yesterday's Bank On comments: Financial health goes beyond bank accounts and includes the ability to "save easily, track spending, minimize fees and interest charges, safeguard against shocks, and plan for life events."