> For example, your use case sounds like the ideal scenario for <XYZ>

That’s till some product manager decides they want metrics to go up, and the app starts spamming you notifications multiple times a day, or tries to shove in your face unnecessary financial products, and starts selling your transaction data with the hope of increasing monetization to keep their overstaffed teams…

A home-cooked app from someone you know/trust seems much nicer than that.