> How are these companies able to mitigate through the banking companies TOU and such? That's the trick, they just put all the liability on the user for securi

> How are these companies able to mitigate through the banking companies TOU and such? That's the trick, they just put all the liability on the user for security issues. Most banks say you must never give your credentials to a third party So these startups and fin-tech companies just slap a few clauses in their T&Cs to say it's the users problem, not theirs.