Stevie does address some of the legal side in a comment here: https://news.ycombinator.com/item?id=14606475 https://news.ycombinator.com/item?id=14606475 >In t

Stevie does address some of the legal side in a comment here: https://news.ycombinator.com/item?id=14606475 https://news.ycombinator.com/item?id=14606475 >In the UK this is no longer necessary and FCA accredited organisations (Or qualified organisations from across the EU) can gain access to Bank APIs which allow much easier, programmatic access with much more granular access and far fewer security implications. I don't have a horse in this race, but in my experience the Open Banking APIs are: * Not performant * Poor at handling and reporting errors * Limited in their functionality