Here is a summary of the text: Plaid, an API that provides access to financial services data, and Twilio, an SMS service provider, can be used together with Python to create a daily spending summary via SMS. The user sets up Plaid accounts for two banks and obtains their credentials. They then use these credentials to obtain transactions from both accounts using the Plaid API. The code filters out certain categories of transactions, such as transfers, credit card payments, and deposits, and only includes transactions with a positive amount. The total spend is calculated by summing up the amounts of all remaining transactions. An SMS message is then sent to the user's phone with their daily spending summary. The app can be extended to track spending over multiple days, categorize items, or even interact with users through voice commands.