On the minus side, I use contactless ("wave to pay") all the time now, and find I rarely look to see how much I'm spending on small transactions. Even with larger transactions, it doesn't feel like "real money".
Not only that, I can download a monthly spreadsheet of all my transactions, pivot them into a simple table and so on and so forth. Data out the wazoo. £105 a month on tube fares. £235 a month on lunch. £17 on fuel. Knowing where I spent it is as useful if not more so than how much I spent in total.
Then of course there is the free money I get from spending on a card. It all seems like a no brainer. And I never need to go to an ATM. And most the time I just lean my wallet against a card reader and mosey onwards.
I'm not sold.
Changing the range changes what transactions are summarized, and what transactions are shown in detail below the graph. Clicking a graph category further filters and shows the transactions that match, with the graph changing to more specific sub-categories (rent, water, electricity etc if I click housing).
The categories are set automatically, but can be overridden or a transaction can be divided between several, and that remembered for future transactions.
I'm impressed that a bank produced this system!
I download my transactions weekly from my CC company and can easily see I've been spending way too much money eating out the past two months.
The modern world seems to be one in which business, governments, and hackers know exactly what we are doing.