In the context of moneytree.jp the institutes in question are most likely banks that are reluctant to offer APIs, so the only option for Software Integrators is

In the context of moneytree.jp the institutes in question are most likely banks that are reluctant to offer APIs, so the only option for Software Integrators is Web-Scraping. In Germany we have figo.io that allows the local startup scene to access german banks. From what i can gather from their API its also done in part by scraping. Some Banks want to obstruct the scraping and the author claims that none of the tricks React Armor offers have thwarted his company so far.