People have been trying to disrupt programming since my earliest memories of computing in the 80s. There's been AI "solutions" aiming to simplify programming, or enable non-programmers to participate since then too. Memorably there was a program called "The Last One" that was going to put all programmers out of work [1]
Much of what you seek is there. payment services, banks, networks have an API or an SaaS (Stripe, Paypal etc) that mean you're dealing with much simpler entities.
Back when I was first messing with code you'd first have to get the banks to agree to allow access to account data. Then you'd probably be writing in C or C++ to conform to whatever standard arose, perhaps over X25. There's libraries and services covering so many of the basics, usually with a JSON API, now it's sometimes hard to believe. You can be astonishingly productive building on that.
What's left are the parts that are frequently going to be solution or preference dependent. The unique to the app parts, and the code that glues that and the building blocks, frameworks, and APIs together.
Much of what you seek is there. payment services, banks, networks have an API or an SaaS (Stripe, Paypal etc) that mean you're dealing with much simpler entities.
Back when I was first messing with code you'd first have to get the banks to agree to allow access to account data. Then you'd probably be writing in C or C++ to conform to whatever standard arose, perhaps over X25. There's libraries and services covering so many of the basics, usually with a JSON API, now it's sometimes hard to believe. You can be astonishingly productive building on that.
What's left are the parts that are frequently going to be solution or preference dependent. The unique to the app parts, and the code that glues that and the building blocks, frameworks, and APIs together.
[1] https://en.wikipedia.org/wiki/The_Last_One_%28software%29