Monolithic application
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A monolithic application is one that is self contained, and usually sealed off from the rest of the computing universe it operates in. This is typical of older systems, hailing mostly from the mainframe age; the design philosophy is that the application is responsible not just for a particular task, but is responsible for managing the needs of an entire system.
Today, many personal finance applications are monolithic in the sense that they help the user carry out a complete task, end to end, and are "private data silos" rather than parts of a larger system of applications that work together.
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