I recently had a look at what is available in Australia and Frollo is the Emma equivalent. Their layout has some elements of the old Emma layout and some functionality has not yet been built like manual transactions and some functionality Emma does not have like manual subscriptions without a spend item
They concentrate on data aggregation and budgeting and not the add on services that Emma is adding.
The open banking in Australia looks more evolved and more engagement. There are a substantial number of connections available in Frollo
Their business model revolves around building a generic application that they sell to banks and others so that organisation can add their own branding etc. We know that a lot of banks in UK are attempting to build budgeting and data aggregation for their customers.
Has Emma looked at this as a viable income stream for them.