I think this has historically been the main reason. The computers where introduces to reduce the operational costs, and that mentality has stuck. But I think m

I think this has historically been the main reason. The computers where introduces to reduce the operational costs, and that mentality has stuck. But I think most banks have realized that they need to do something, lest they will end up the non-significant bill for the infrastructure but a dwindling list of services that they can make money on. Regarding third party screen-scrapers, from what I can see there are challenges both in the legal framework and technical issues like security and performance.