SUMMARY It would be a very handy functional enhancement of KMyMoney if formulas and variables could be used to fill in the Memo field (and other fields, too). EXAMPLE My health insurance company debits 10$ from my bank account on November 1st 2020. Then I use aqBanking to sync my account. It would be great if I could define a formula including variables which is used to fill in the Memo field. The formula to fill the Memo field would look like this: "Health insurance fee %yyyy%.%mm%" The result in the Memo field would look like this: "Health insurance fee 2020.11" The variable %yyyy% would fill in the year and the variable %mm% would fill in the month when the debit occurred on by online bank account. This would be very handy especially with recurring transactions, because filling in a Memo could be automated with this approach and there would be no need anymore to fill in the Memo manually.
This could be combined with more advanced If-This-Then-That renaming rules, which would be a very very powerful feature of KMyMoney. A rule could structurally look like this: IF payee="My Insurance Company" THEN replace content of Memo field with "Health insurance fee %yyyy%.%mm%"
What you're specifically looking at is to schedule a recurring transaction with such templated memo ("Health insurance fee %yyyy%.%mm%"), and then have KMyMoney automatically match it each month after you download the transactions with aqbanking. I am not aware of templates taking variables at this point, but it is a reasonable suggestion. Regarding the ITTT rules engine: https://invent.kde.org/office/kmymoney/-/issues/25
Yes, a ITTT rules engine like you have suggested it in your linked post. Augmented by variables like I have suggested. If this would be a powerful engine like the one you have also linked in your post (https://lunchmoney.app/features/rules), then various fields could be modified by this engine, not being restricted to the Memo field. To make this optional as a plugin is a great idea.