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I would like to see more banks /fintech startups with the same approach to things as Czech primordial fintech startup: Fio. It is combination of stock broker a

by dfox 8y ago

I would like to see more banks /fintech startups with the same approach to things as Czech primordial fintech startup: Fio. It is combination of stock broker and credit union (nowadays full-fledged bank) that was founded by bunch of CS graduates. They had internet access to account from the start, originally supported by custom made authentication device and 20 line officially supported shellscript that emulated the device by means of bunch of few "openssl something" commands. They have rest API that really is REST (GET account movements, PUT bunch of payment orders, no bullshit) and when they didn't have API they docummented format of movement notification emails and officially acknowledged and supported machine parsing of such messages (to the order of providing example code). Somehow I think that EU's PTS2 and such things tries to force banks to do this, but solves the problem from the wrong end.

TeMPOraL 8y ago
You just described the bank I want. Why oh why we can't have this? For instance, right now I'm figuring out how to simply query my account balance in a non-interactive way, just to have it displayed on my machine. I basically have two options - try to drive a headless browser through full login process and scrap the main site, or reverse engineer whatever mechanism they have that lets their mobile app show my balance without logging in. Either way, I'm worried the bank will sack my account for breach of TOS, or "attempt at hacking", or some other bullshit. Really, why can't I just get a token and query some API?
- lewilewilewi 8y ago
  Monzo have an API you can use: https://developers.monzo.com/ https://developers.monzo.com/
runn1ng 8y ago
I am Czech and I half-switched from Fio to Revolut and it is a night and a day. (I keep some funds in Fio for payments to tax office, but that's it.) Fio mobile app is terrible and it feels like it's from 2012.
Markoff 8y ago
is it the bank which had problems with USD payments for weeks/months? no thanks, i need reliable bank, they already messed up my USD payment prior this known issues because of changing intermediary bank

by dfox 8y ago

TeMPOraL 8y ago

You just described the bank I want. Why oh why we can't have this? For instance, right now I'm figuring out how to simply query my account balance in a non-interactive way, just to have it displayed on my machine. I basically have two options - try to drive a headless browser through full login process and scrap the main site, or reverse engineer whatever mechanism they have that lets their mobile app show my balance without logging in. Either way, I'm worried the bank will sack my account for breach of TOS, or "attempt at hacking", or some other bullshit. Really, why can't I just get a token and query some API?

lewilewilewi 8y ago
Monzo have an API you can use: https://developers.monzo.com/ https://developers.monzo.com/

runn1ng 8y ago

I am Czech and I half-switched from Fio to Revolut and it is a night and a day. (I keep some funds in Fio for payments to tax office, but that's it.) Fio mobile app is terrible and it feels like it's from 2012.

Markoff 8y ago

is it the bank which had problems with USD payments for weeks/months? no thanks, i need reliable bank, they already messed up my USD payment prior this known issues because of changing intermediary bank