Manual accounts are the main thing for me. I can bring in unsupported saving accounts which is obviously useful. I can also add more than one manual account for the same underlying real account. I can split the balance manually to show separate saving pots within it cf Starling Bank.
eg I have added Savings account - holiday, Saving account - emergency fund, Saving account - season ticket etc. This looks much neater since the latest updates as I can drop the bank name and just put the logo on.
I think there is a possible feature here: I add a single saving account, whether manually or open banking (does anyone return savings data?). I would then create a “space/pot” (or more than one) and allocate some of the balance there. The system automatically creates an “unallocated balance” pot. If the balance increases, the extra goes to unallocated. If the balance decreases, something clever happens (not sure what!)
This essentially replicates the space creation/funding process in Starling, but that could be applied across all providers.
Another way Emma could add challenger bank features to legacy bank accounts.