Yes - Insurance. For one thing, many people can code well enough to move data from CSVs to a database (or vice versa) but not well enough to read/write an API.

Yes - Insurance. For one thing, many people can code well enough to move data from CSVs to a database (or vice versa) but not well enough to read/write an API. I guess the main reason, though, is that many back-office applications don't need to be 'real-time' and for those it's always going to be easier to send files and have someone import them to a DB.