It took the industry a decade or more to agree that some Oath + OFX was the way to go. I can’t blame them though. Originally Intuit and Microsoft were pitching

It took the industry a decade or more to agree that some Oath + OFX was the way to go. I can’t blame them though. Originally Intuit and Microsoft were pitching “their own blackbox server” in Bank network to get this done. Nobody, not even the software companies think about the consumer or his/her safety and security from an open standard. So there is plenty of blame to go around - it is not just the bank with their cobol system and overpaid software consultants. Mint began as a web-scraping service on top of Yodlee, who literally had tech support “visually debug” your session when your connection doesn’t work. So that spinning wheel is not network slowness - it is like someone putting their sandwich down so they can debug. Ok I am exaggerating a bit - but u get the idea