It’s a service that’s only available to the bank’s upper crust clientele who have the Citigold account. And it showcases what banks continue to get wrong about new financial technologies for consumers. As long as banks continue to put velvet ropes around the services that startups are offering to everyone, they’re going to be watching the bulk of their business go elsewhere. What the bank gets right, and what new entrants in the market are doing too, is incorporating a number of different services that used to be available as discrete applications under one roof.

https://techcrunch.com/2016/12/08/citis-fintech-group-launches-its-first-product-a-new-mobile-app/