There is a need for more fields in bank. We need to be able to put tranaction reference (eg cheque/paying in number); name of payee; description on transaction and ideally two further codes. Example uses could be internal refernec number in filing system and date of invoice paid.
As an accountant preparing books for clients I don't always want to clutter the purchase ledger up with small one off accounts, much easier to enter direct via bank, and until you get better bank feeds many clients won't use Yodlee for the reason stated in your caveat.