It’s possibly even starting to be the other way round.
I really like dozens, for example, but there’s no chance I’ll be using them day to day until they hook up with Emma/develop an API - I want my existing budgeting in Emma, not a whole new system in dozens.
I think disaggregation is the way forward with things like Emma doing the number crunching and other companies delivering the services…
So yeah, dozens would be a great integration, though how they do that with spend, grow and invest, I don’t know 