Consumers want an aggregate view of all their accounts. Many lenders also need an aggregate view of all assets. OFX (Open Financial eXchange) was designed in t

Consumers want an aggregate view of all their accounts. Many lenders also need an aggregate view of all assets. OFX (Open Financial eXchange) was designed in the late 90's to address this need. Many banks implemented OFX, but not all. Hence, we end up with screen scraping services like Yodlee and Plaid. (I don't know the specifics of Plaids infra. It's possible they store revocable oauth tokens instead of passwords)