Skip bank login for budgeting apps - privacy first OCR and CSV onboarding

Skip bank login for budgeting apps - privacy first OCR and CSV onboarding targets a $1.5B = 50M paying users x $30 ACV (global smartphone users likely to pay for a privacy-focused budgeting app at ~ $2.50/mo or $30/yr) total addressable market with medium saturation and a year-over-year growth rate of 10% CAGR in personal finance app downloads and subscriptions driven by mobile adoption and subscriptionization.

Key trends driving demand: Privacy-first consumer demand -- data breaches and aggregator controversies increase willingness to pay for non-connected alternatives; Improved OCR and transaction parsing -- modern ML models reduce manual correction and enable high-quality imports from statements; Aggregator instability and regulation -- PSD2 and aggregator outages make bankless flows more reliable comparatively; Subscriptionization of consumer finance tools -- users are accustomed to $2-10/mo budgeting apps, easing monetization.