1. In a financial institution business environment, a system for providing online or mobile financial transactions and related information organization and analysis through a flexible open user origination, the system comprising: a financial institution, a financial institution computer system used by said financial institution, a database of account holder data accessible by said financial institution computer system, a plurality of account holders of said financial institution, said account holders having accounts with said financial institution, a plurality of non-account holders of said financial institution, said non-account holders being individuals or entities that do not hold accounts with said financial institution, open origination financial institution software provided by said financial institution computer system, said open origination financial institution software being capable of accessing said financial institution database in order to provide account holders with information concerning their accounts, said open origination financial institution software being capable of collecting financial data concerning said non-account holders from the group consisting of data aggregators and third party financial institutions, said open user financial software being capable of supporting transactions by said account holders and said non-account holders, wherein said financial institution software provides substantially the same functionality to account holders and non-account holders.