It would have been great if banks sent webhooks to my specific endpoint upon a new transaction. Otherwise, especially in India where Open (API Banking) doesn't seem around the horizon, server-hosted personal finance applications aren't scalable.

I've been using (and manual-entering transactions in) Firefly-III for over 2 years. It's a good, old piece of software, but isn't scalable to our "high-frequency / busy / real-time" banking needs.

I've experimented with hacks like reading from bank transaction mails, using Tasker (Android) to read transaction SMSs, but alas the setup is cumbersome and not reliable.