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If you wanted to run a startup that ran APIs which bank customers could use this bill would presumably make that possible.

zAy0LfpBZLC8mAC 9y ago
Which is supposed to solve the problem how? Now I as a customer am dependent on the proprietary API of some startup? Or do you expect startups to compete on a standardized API? And why should I have to employ a monk looking through my bank statements to be able to get access to them? Sure that can be a basis for an idiotic hack, but how does that make it a sensible approach?
- crdoconnor 9y ago
  >Or do you expect startups to compete on a standardized API? At least an API. If that's what customers really want, at least now there is chance somebody will provide it. >why should I have to employ a monk looking through my bank statements to be able to get access to them? Sure that can be a basis for an idiotic hack Because the banks themselves are completely uninterested in providing API access to you and somebody with a legal team has to shoulder the liability for providing it.
  - zAy0LfpBZLC8mAC 9y ago
    > At least an API. If that's what customers really want, at least now there is chance somebody will provide it. But I don't want "an API"? I want a non-proprietary API! I wouldn't bother with locking myself into some proprietary startup crap of questionably reliability, then I can just as well scrape the web interface of my bank, that's also a proprietary API of sorts, and I at least don't have to pay yet another party and risk them abusing or leaking my data and myself being unable to figure out who is responsible for failures in the service. > Because the banks themselves are completely uninterested in providing API access to you and somebody with a legal team has to shoulder the liability for providing it. ... which is exactly why they should be legally obligated to, instead of some idiotic "you have to allow third parties to access your customers' data" laws?!

zAy0LfpBZLC8mAC 9y ago

Which is supposed to solve the problem how? Now I as a customer am dependent on the proprietary API of some startup? Or do you expect startups to compete on a standardized API? And why should I have to employ a monk looking through my bank statements to be able to get access to them? Sure that can be a basis for an idiotic hack, but how does that make it a sensible approach?

crdoconnor 9y ago
>Or do you expect startups to compete on a standardized API? At least an API. If that's what customers really want, at least now there is chance somebody will provide it. >why should I have to employ a monk looking through my bank statements to be able to get access to them? Sure that can be a basis for an idiotic hack Because the banks themselves are completely uninterested in providing API access to you and somebody with a legal team has to shoulder the liability for providing it.
- zAy0LfpBZLC8mAC 9y ago
  > At least an API. If that's what customers really want, at least now there is chance somebody will provide it. But I don't want "an API"? I want a non-proprietary API! I wouldn't bother with locking myself into some proprietary startup crap of questionably reliability, then I can just as well scrape the web interface of my bank, that's also a proprietary API of sorts, and I at least don't have to pay yet another party and risk them abusing or leaking my data and myself being unable to figure out who is responsible for failures in the service. > Because the banks themselves are completely uninterested in providing API access to you and somebody with a legal team has to shoulder the liability for providing it. ... which is exactly why they should be legally obligated to, instead of some idiotic "you have to allow third parties to access your customers' data" laws?!