If user would have ability to exclude/confirm Unconfirmed by default from Account balance - statistics would be more realistic
If user would have ability to exclude/confirm Unconfirmed by default from Account balance - statistics would be more realistic and less confusing
Now i always see not accurate balance (if i bought something yesterday - i have no money today in reality, but my wallet app show that i still have (because transaction unconfirmed)).
I understand, that unconfirmed transaction, could be rejected by bank. But probability to be confirmed is much more than probability to be rejected.
So as a user I would choose mark expenses as confirmed by default and mark income as exclude by default.
By the way label "Unconfirmed by bank" could be added and removed automatically in order to inform user for real status.