By using Plaid or an Open Banking service from another party (e.g. Experian) you'll pay fees to get information you can get for free if you integrate directly w

By using Plaid or an Open Banking service from another party (e.g. Experian) you'll pay fees to get information you can get for free if you integrate directly with the banks. ...which suggests you're not necessarily paying for the integration with a free service - you're paying for the integration at a grand scale. I.E. - paying to not have to do all that work yourself.