An expense tracking app where bank accounts can be synched?

love this expense tracking tool - you just import your Credit Card and bank account transactions automatically.

An artificial intelligent app that chats with you about your spending and helps you stay on target

Xero if best in class for this..

It goes through SMS to get all info. No need to add/link any account.

I love Mint for personal expense tracking, it's been around for a long time. Otherwise, just switch your personal checking to Simple Bank and they take care of tracking your expenses for you in a similar way with no fees for anything, ever! However, all banking is done online and checks can't be made yet, only debit card transactions.