HN user
Can't speak for all competition, but Predict is using third party company to securely connect to banks around the world. It would not be possible to do otherwise, and it is the main reason for subscription price.
Predict is the app I built because I missed a tool that would help me get on top of my personal finances, and let me know where is it going in the future. Simply sync your bank accounts, let Predict learn your spending habits and get access to real-time overview of your finances, future prediction, budgeting tools and much more.
Feel free to try it out and ask questions here, if you have some :-)