Google already has a valuable stash of your digital data. Now it wants your cash, too.

The search giant is teaming up with two banks, Citigroup and the Stanford Federal Credit Union, to begin offering a “smart checking” account next year. What fancy new features will “smart checking” include? Google isn’t sure. Neither are its partners.

The project, code-named Cache, is envisioned as an extension of the Google Pay digital payments system. Its goal is to help banks’ customers “benefit from useful insights and budgeting tools,” according to Craig Ewer, a Google spokesman. The focus will be mobile-first users, he said, but the specifics of what will be offered are still being worked out.

Technology companies have been trying to plant stakes in consumers’ wallets for more than a decade, with limited success. And banks have realized that digital-native millennials have the same core banking needs — a safe place to stash cash and easy ways to retrieve it — as the generations that favored marble-floored lobbies lined with teller windows.

But attempts to create digitally focused alternatives to traditional banking have largely found only niche audiences — or fizzled out entirely.