Most of those services are probably using Plaid to connect to customers' online banking accounts, which is always done through an explicit, user-driven auth. In

Most of those services are probably using Plaid to connect to customers' online banking accounts, which is always done through an explicit, user-driven auth. In fact, it has to be done this way of necessity; Plaid has traditionally used scraping to get data. Facebook, however, is trying to go in through the backdoor. From the article: "It is unclear whether bank customers would need to opt-in to the proposed Facebook services or what other privacy protections might be offered."