There are solutions out there that the banks could use to allow their customers to have programatic access to their transactions (i.e. an API). OAuth 1.x and 2.

There are solutions out there that the banks could use to allow their customers to have programatic access to their transactions (i.e. an API). OAuth 1.x and 2.0 both have ways to provide access to your data without you having to turn your password over to an aggregator (i.e. Mint). Banks have no incentive to evolve, the barrier to entry is so large (regulatory barriers) that there are not startup banks who could truly show the world what is possible.