I haven't read the entire report yet, but it seems like a step in the right direction (even given some of the caveats folks have pointed out). I work at Plaid a

I haven't read the entire report yet, but it seems like a step in the right direction (even given some of the caveats folks have pointed out). I work at Plaid and a big focus area for us is to move as much traffic to APIs as possible, with a target of 75% of traffic to be committed to APIs by EOY, and we’re hopeful that we’ll be close to a fully API based industry in the next few years. IMO anything that makes API-based connectivity and open finance standards more widespread is a win for both fintech developers and anyone with a bank account.