I am a user of several Plaid-powered apps, and I will say that most of my banks eventually drop out and need me to reactivate the connection (usually because a

I am a user of several Plaid-powered apps, and I will say that most of my banks eventually drop out and need me to reactivate the connection (usually because a security question is required or something like that). With an API, depending on the implementation, this may never happen, so in an odd sort of way it is more secure in that you definitely won't forget about it and have it running for years. I have to actively try to keep everything activated and running.