Fair point. But Europe is also a bit of a mess - 6,000 banks with unique banking APIs. And the large open banking incumbents are charging for access to banking

Fair point. But Europe is also a bit of a mess - 6,000 banks with unique banking APIs. And the large open banking incumbents are charging for access to banking data that's available via PSD2 for free. We're trying to make it a little less messy, by providing free access to data that's actually free (it's weird how it's a thing, I know).