As someone who attempts to import all my own banking transactions into open-source personal financial software, I certainly don't like the situation, but banks

As someone who attempts to import all my own banking transactions into open-source personal financial software, I certainly don't like the situation, but banks often give someone looking to download their own financial transaction data no other choice. This is basically what Intuit/Quicken do for 'Quicken Web Connect', too... Additionally, though I think the advent of new APIs which will allow you to authenticate directly with your bank (FDX) are a great improvement for overall security, I think they're going to be a step backwards for free access to your own personal financial information. Because banks are limiting access to FDX to large players like Plaid/Quicken, I fear you will be forced to pay a third-party to get your own personal financial data in the future!