I don't want more app and data complexity. I want my bank to automatically generate and forward a transaction history for for my local use. I shouldn't have to log in to obtain such things.

Open banking is just starting here and I'm hopeful it would be useful in the future. Ubank allows me to add other bank accounts but not see a merged transaction list or export an aggregated list. This would be quite useful for whole of account overviews.

Give it 1-2 years and it should be pretty sweet. Transaction accounts are the least important for banks. Open finance is already implemented for mortgage checking purposes by banks.