MoneyIQ

Port and white-label a decent open-source personal accounting application (e.g.  GnuCash) into Software-As-A-Service format to allow banks to offer complete online&offline integrated personal and SME financial management functionality. A self-help-wizard based interface linking virtual accounts,  sending alerts for scheduled expenses,  keeping track of taxes due etc.

It's way past time the banking industry joined the 21st century.