Just working on the different Financial Interchange formats used for Quicken MS Money and open source like GnuCash.

The data exchange formats used by Quicken and MS Money and GnuCash

In todays world the cloud seems to wipe away the differences and possibly tries to do the last piece of vendor buy in for the average consumer. Data mobility and choice of vendor might be in the end just a choice of what Hyperscaler one prefers. Allowing for easy communication between different vendor silos is still something that a smart consumer should understand.

Moving financial transactions between vendors and providers gives the consumer more power in negotiations for price and conditions. A captive audience is at the end a less happy audience. Import and export functions of GnuCash use the CSV format which is the old standard without the overhead of more verbose markup languages.